Always Preferred Restoration provides the people of Montana with this guide to help them to figure out what to do after fire damage regarding insurance.
You pay the insurance company a lot to save you in disasters like fire damages. Insurance policies are not that simple and they need a lot of research for all kinds of information regarding every single detail in the policy. The fire damage is included as a main point in home insurance policies. You will pay a lot to cover this point so what information do you need to now regarding it that you may not be completely aware of? Let’s find out some facts about fire damages in insurance policies.
1. What after the fire damage?
There are two main points here; water damage and theft.
• The fight fighters will use a huge amount of water to control the fire. This huge amount of water will cause a lot of damage too to your proprieties. You need to make sure that the insurance company will pay for everything whether it is destroyed by fire or by water.
• The first action you must do after controlling the fire is to search for any valuable properties that are not damaged by the fire then you should call a carpentry agency or your insurance company and make them send carpenters. The carpenters will try to fix the doors and windows or replace them to protect the rest of your valuable items against theft. Your property is the main target of thieves in your neighborhood after the fire damage.
2. What insurance policy should you choose?
There are two types of home insurance policies regarding fire damages; standard home insurance and dwelling fire coverage.
• Standard home insurance policy:
This policy will cover everything in your place. All your belongings and furniture are under the coverage. Of course, it is more expensive. Mortgage lenders ask for this kind of policy too. It also includes personal liability insurance.
• Dwelling fire coverage:
This one is less expensive but it will cover only your place without your proprieties. It is the best if you don’t have so valuable properties. It covers your garage and storage but it will not provide you with personal liability insurance.
3. The restoration process:
You insurance policy should cover all the expenses until your home becomes as it was before the fire. You should make sure of the following point.
• Mold: a lot of water will be pumped to control the fire. You should make sure that all this water is gone not to develop any mold in the walls. Check the basement and the garage well.
• The soot and the odor may be terrible and stay for a while. The cleaning services should repeat the cleaning process several times before your family becomes able to stay at it again.
• Check that everything is back as it was. If every room had an air conditioner, then you should have an air conditioner in every room after the restoration process. The insurance policy should pay for everything under the coverage.
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