If your Green Valley, Arizona home is damaged from a fire, then it is important to make a claim with an insurance provider as soon as the accident or problem occurs. Even if the home insurance records are lost as a result of burning in the fire, your insurance provider will have a copy of your policy and any other documentation that you provided before the incident occurred.
Call the Company
The first step of recovering from the fire is calling your insurance provider and talking about the situation. Explain that you’ve lost the records and need a copy of your current policy. The company will send you a copy so that you know what is covered and what is not.
If you sent any documents to the company when you are obtaining coverage, then ask for those records at the same time. Your insurer will be able to give you copies of any documentation that you provided in regards to expensive personal belongings that were insured separately.
Give Pictures of Belongings
Even if your records were ruined, you may still have pictures on your smartphone, digital camera or on a social networking website where you’ve posted images. Your belongings might be seen in the background of pictures you took in the house.
Get a copy of any images made so that you can show the company what was in the room. Without clear pictures or records of the belongings, you may be denied for expensive items that were also lost.
Keep Copies in a Separate Location
Ideally, any documentation related to your homeowner’s coverage should also be kept in a safe deposit box at the bank or a similar separate location. By having it kept separately, you will always have a copy available if a fire occurs in the future.
Damage to your home does not mean you have limited options. To learn more about keeping your belongings safe, contact us to talk to an independent agent.