How to File a Homeowners’ Insurance Claim

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Filing a homeowners insurance claim can be a crucial step in recovering from unexpected damages, whether it’s due to a storm, fire, theft, or other incidents. Understanding the process can help you navigate it more smoothly. When dealing with a water damage loss, fire damage or smoke damage, your insurance company may authorize immediate action to mitigate damage, but you’ll want to confirm that before hiring a damage restoration specialist. Here’s a comprehensive guide on how to file a homeowners insurance claim.

Step 1: Review Your Policy

Before taking action, review your homeowners insurance policy. Familiarize yourself with what’s covered, your deductible amount, and any specific exclusions. This will help you determine whether to file a claim.

Step 2: Document the Damage

As soon as you can, start documenting the damage:

  • Take Photos: Capture images of the affected areas and items from different angles.
  • Make a List: Write down damaged or lost items, including their estimated value and any receipts if available.
  • Gather Supporting Documentation: If applicable, collect police reports (for theft) or any repair estimates.

Step 3: Contact Your Insurer

Reach out to your insurance company as soon as possible. Most insurers have a dedicated claims hotline or an online portal. Have your policy number and details about the incident ready.

Step 4: Complete the Claim Form

Your insurer will require you to fill out a claim form. This can usually be done online or through a paper form. Be thorough and accurate in your descriptions, providing all the requested information.

Step 5: Submit Your Claim

Once you’ve completed the claim form, submit it along with all supporting documentation. Keep copies for your records. Make sure to follow your insurer’s submission guidelines, as they may have specific requirements for documentation.

Step 6: Follow Up

After submitting your claim, it’s important to follow up with your insurer. Confirm that your claim has been received and ask for an estimated timeline for processing. Maintaining communication can help you stay updated on any additional information they might need.

Step 7: Meet with the Adjuster

In many cases, your insurance company will send an adjuster to assess the damage. Be prepared to discuss the incident and provide any further evidence of the damages. The adjuster will evaluate the claim and determine the amount covered based on your policy.

Step 8: Review the Settlement Offer

Once your claim is processed, your insurer will make a settlement offer. Take the time to review this offer carefully:

  • Does it cover the damages adequately?
  • Is it consistent with your policy coverage?

If you believe the offer is insufficient, you can negotiate or provide additional evidence to support a higher payout.

Step 9: Accept the Settlement

If you’re satisfied with the settlement offer, you can accept it. The insurer will then process the payment based on the agreed amount. Depending on your policy, this may be sent directly to you or to contractors for repairs.

Step 10: Keep Records

After your claim is settled, retain all documentation related to the claim, including correspondence with your insurer, records of repairs, and any payments received. Keeping these records can be beneficial for future claims or policy renewals.

In Closing

Filing a homeowners insurance claim doesn’t have to be a complicated process. By staying organized and informed, you can navigate the claims process more confidently. Remember, if you had a water damage loss, or a fire and smoke damage incident and your insurance company gives you the right to start mitigation, you’ll need to do your due diligence in finding the right restoration company to handle the job. And you do not under any circumstance, need to hire who the insurance company recommends, as most times that is a franchise who’s in their pocket and does sub-par work. You have the right to hire any certified restoration company of your choosing, so long as they understand  the claims process.

Cigarette Smoke Damage 

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Much of the discussion around traditional cigarettes centers on the dangers they pose to our health. The list of risks smoking poses to your health and the health of those around you is almost endless – there’s risk to your lungs and heart, and risks to your teeth in terms of staining, as well as your appearance. However, we don’t hear as much about the effects cigarette smoking can have on the inside of your home. Just like your body and health, long-term cigarette smoking inside your home can cause sometimes irreparable damage. Effects like clinging odor can be unpleasant for non-smoking guests, and damages caused by smoking can reduce the resale value of your home.

Fire Hazard

When left unattended, a burning cigarette can lead to a full-blown fire whose effects can range from smoke damage to a complete loss. These fires can sometimes be fatal for the smoker and other occupants in the house. The U.S. Fire Administration estimates that nearly 1000 smokers and non-smokers are killed each year by fires caused by cigarettes.

Ceilings, Walls, Furniture and Floors

Cigarette smoke contains a variety of chemicals, some of which cling and build up on surfaces that are exposed to it. In your home, cigarette smoke can build up and stain walls and cause wallpaper to curl. Walls too can see nicotine stains build up and discolor them. If the smoking goes on for long enough, the particles can literally embed themselves in sheetrock and be impossible to remove. If you’ve ever used the smoking huts at Atlanta’s airport, you can’t help but notice how discolored the ceiling tiles and walls are.

Electronics

Besides clinging to walls, curtains and other household items, cigarette smoke can also cling to electronic components (especially computers) and have disastrous effects over time. For example, with computers, the smoke will cling to anything that’s emitting heat (i.e. fans, capacitors, processors, etc.). This heat attracts a good bit of “dust” already, but the dust just magnifies when you add cigarette smoke to the mix. Also, cigarette smoke carries moisture with it and can lead to both a corrosion of parts and a dangerous build-up of dust.  Dust and chemicals can even work their way through your walls and coat the inside of your electrical outlets.

Air Conditioning System

Your home’s A/C and heating system is critical to keeping your home comfortable, especially if you live in the Deep South or in a really cold region. The system(s) work by pulling in outside air through a filter. Every so often, these filters require changing.

Smoking in your home adds to all the dust, pet hair and other particulate matter in the air. These particulates have to be caught by the filter. As you can imagine, cigarette smoke will dramatically shorten the time between filter changes. Not changing the filter(s) more frequently while smoking in your home can cause your A/C system to overwork and possibly break down.

Cigarette smoking can have immediate effects that are noticed right away, especially by guests or anyone else living in the home. But over time, the smoke can literally embed itself in everything and even destroy things beyond repair.

How to Clean Smoke Damaged Laundry

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When the fire is extinguished and the trucks have left, your home will undoubtedly have significant damage. The flames themselves are responsible for only part of the destruction, as smoke and soot can cause just as much – if not more – damage. Fabric and clothing in your home can quickly take on the smell of smoke and will require professional cleaning and restoration. But there are ways to help mitigate the damage and salvage contents and clothing in the event of a fire.

The first part in every claim is always to document the damage. Maintaining detailed records of the series of events and the damage it has caused can help facilitate your claim. More documentation is better than less, so never feel anxious about collecting a lot of information. But prior to stepping foot in your home, you have to be sure it is safe. Wearing protective gear like masks and gloves will minimize your risk of inhaling or touching contaminants, but also hiring a professional contractor to ensure the structure is free from defects will avoid potential injury when entering the dwelling.

Sorting Through the Fabrics

Sorting through the fabrics is a vital first step in minimizing fire damage to clothes. The process begins with separating the items into two categories: salvageable and non-salvable.

  1. Identify all salvageable items: Many fabrics that aren’t burnt can often be saved, even if they have suffered smoke damage.
  2. Separate the unburnt from scorched items: It’s important to keep these two categories apart to prevent cross-contamination.
  3. Check for color preservation: A priority is ensuring the vibrant hues of your clothes don’t fade during the restoration process.
  4. Take note of fabric type: Different textiles require different cleaning techniques for effective soot removal.
  5. Handle smoke damaged garments with care: These act like VOC and particulate sponges, making them highly susceptible to retaining smoke.
  6. Consider professional help: For severely damaged items, fire restoration professionals who specialize in salvaging scorched textiles may be necessary.

Remove the Soot From Fabrics 

  1. Take the items outside and shake the soot off gently. As soot is oily, it can easily stain fabrics if you don’t shake it off lightly.
  2. Alternatively, use a high-powered vacuum cleaner with a narrow tip. Please keep it one or two inches away from the fabric.
  3. Never use a brush tip attachment – it can force soot particles into the clothing.
  4. It’s strongly recommended to get professional help for soot removal from textiles. One wrong move, and you could stain your fabrics permanently.

Deodorize Clothing

Deodorizing the fabric before they are cleaned will help remove smoke odors from the material. Masking agents should not be used as they will only last for a few days to even a few hours, and then the smoke smell will return. Proper deodorization requires a professionally trained company to use ozone treatments which will break down the smoke molecules and eliminate odor. Misuse of ozone machines can cause serious damage to clothing and even health risks.

Washing Options

Once the clothes have been deodorized, then they can be cleaned. Here are some of your options:

  1. Dry Cleaner – This should be a place where they specialize in smoke damage as not all dry cleaners have been exposed to such a loss.
  2. Washing Machine –  Smoke damaged clothes should be washed separately to avoid cross contamination with clean clothes. Washing in small loads can help clean the clothes better than full ones, and heavy detergent designed for smoke damage should only be used to cut through the smell.
  3. Hand Washing – Delicates or heavily damaged items will need to be hand washed and could take a few rounds to remove odors. Rinsing thoroughly and changing water will also help remove damage as well. Always remember to agitate lightly as not to cause damage to the fabric. Line drying the clothes if available is recommended as the use of a dryer can further damage the fabric due to the high heat.

A fire can be devastating and life altering, so knowing who to call in case of loss is an imperative fire step in the fire damage restoration process. Trusting the wrong company, or “fire chasers,” who only concern themselves with how much they can squeeze out of your claim will make your loss an even greater nightmare. For professional fire damage restoration done right the first time, trust the certified team at MSI. Our fire damage restoration cleanup team is on call 24/7 and ready to get you back to the norm you know in a quick, safe and cost efficient manner because we actually care and take pride in our work.