Home & Fire Insurance – Be Prepared

Home & Fire Insurance – Be Prepared

It is very difficult to reconstruct your life after a tragic event such as your house burning.  Not only are you battling the emotional trauma but also the need to organize your belongings and arranging a place for your family to live for the duration of time it takes to get your house livable again. You might be better prepared to deal with the aftermath of a fire if you should understand all the following steps to help you in the event that you are affected by a fire.

  1. Make sure you and your family have a safe place to stay.  If you need eyeglasses, prosthetic, food, certain medications or any other basic living essentials, contact your local charitable and emergency management organizations such as Red Cross and they should be able to offer you a temporary supply or contact information to a group that can.
  2. Notify your loved ones about where you will be so that they know you are safe.  You should make some calls and ask others to spread the news of your accident rather than letting your love ones find out by the evening news.
  3. Do not linger on the premises until you get the all-clear from the police and fire department
  4. Call your insurance company to have an adjuster come out as soon as possible.  You should do your best to leave the site alone until the adjuster arrives.  Do not begin any cleaning up or sorting through the rubble until after the adjuster has met with you and he or she has completed the list of personal effects that are missing or damaged.  You should also give your adjuster copies of any pictures you have of your home and contents taken before the fire.
  5. If possible, try to find your driver’s license, social security cards, passports and other important personal documents first along with copies of your insurance policies. Leaving them exposed could possibly lead to identity theft.
  6. Remove items that are salvageable and find out how to properly clean them.  You may have some possessions that can be salvaged after a fire but don’t assume that just because they look intact that they actually are.  Find out how to restore them so that they are safe to use.
  7. Call your post office and utility companies.  You may want to have your mail held until you are once again able to inhabit your home, and you should consider having your utilities temporarily shut off.

For more information about how to safely handle yourself after a fire, you can visit the U.S. Fire Administration website.  You can also contact us for more information about home and fire insurance. You may get a free Lawrence and Brownlee home insurance quote in Anderson South Carolina.