Claim guide
Fire Damage Claims
A fire can affect more than the visibly burned area. Smoke, soot, heat and firefighting water may also damage rooms and belongings. The exact claim process depends on the loss and the terms of your policy.
Our team includes professionals with IICRC certifications in fire, water, and odor restoration.
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Start here
First steps to consider
- Put safety first. Follow instructions from fire officials and do not enter an unsafe or restricted property.
- Notify your insurance carrier promptly and follow its instructions for opening a claim.
- Take wide and close-up photos or video of visible damage when it is safe to do so, before cleanup or repairs.
- Keep receipts for reasonable emergency expenses and temporary repairs; save copies of communications and claim documents.
Get organized
What to gather
- Policy and claim number, if available
- Photos or video of affected rooms, exterior areas, and damaged belongings
- A room-by-room list of damaged personal property, with approximate purchase dates and receipts or records if available
- Fire department or incident information, contractor estimates, and receipts for temporary lodging or emergency work
What happens next
How the claim process usually goes
- 1
The insurer assigns a claim representative and explains what information it needs.
- 2
Inspections and documentation help establish the scope of damage, which may include smoke or water impacts beyond the most obvious area.
- 3
Repair estimates, contents information, and any policy questions are reviewed; additional documentation may be requested.
- 4
The carrier communicates its coverage decision and payment details under the policy. If the scope or amount is disputed, ask about the available review or dispute process.
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