Filing an Insurance Claim for Fire Damage in Florida

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If your Florida home and its contents have been damaged in a fire, you can file a claim based on your Florida homeowners insurance. By doing so, you may be compensated for any structural damage to your property. You may also receive compensation for your personal belongings. But there are certain steps to take when filing a Florida fire damage claim. Here is a list of dos, don’ts, and things you’ll need to know in the course of your claim. 

The Steps for Filing a Florida Fire Damage Claim 

Step 1: Read your insurance policy. The first thing to do before filing a Florida fire damage claim is to determine what damages your homeowners insurance policy will cover in the event of a fire. If you cannot find the information you are looking for, call your insurance company and request more detailed information. 

Step 2: Submit a formal claim to your insurer. Make a detailed list of the damages you suffered as a result of the fire. You’ll need this to submit a formal claim to your insurer. In the list, you’ll want to include: 

  • The date of the loss;
  • The location of the damage;
  • The full condition of your home;
  • A description of the damages;
  • Estimates for repairs or replacements; and
  • The police report from the incident

Once you have a detailed list of the claims you’ll need to make, you should call your insurer as soon as possible to file your Florida fire damage claim. 

Step 3: Keep all documents and items related to the incident. This will help to assess the damages. 

Step 4: Insist that you receive all estimates in writing. Request a written estimate for any replacements or repairs. This will give you proof of any fire damage that was done. 

And, most importantly, don’t sign anything that you don’t fully understand! You do not have to accept your insurance company’s assessment of the damage. In fact, you should always get your own estimates in a Florida fire damage claim. An insurance company may try to give you less than you deserve. 

If you need help understanding your coverage, or getting the money that you deserve, you can get the professional help of a Florida insurance claim attorney. 

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