Henderson Fire
After the Fire is Out - A Guide to Coping with Fire Loss
Insurance Information
If you have homeowners or renters insurance, notify your Insurance agent immediately. Your insurance agent can be of great assistance after you experience property loss or damage.
Ask your insurance agent what to do about the immediate needs of the dwelling, such as covering doors, windows, and other exposed areas, and pumping out water. It is important to coordinate with the insurance company before contracting for any services. If you enter into a contract without its knowledge or consent, you may be left with bills to pay that otherwise would have been covered by the insurer.
Ask your insurance agent what actions are required of you. Some policyholders may be required to make an inventory of damaged personal property showing in detail the quantity, description, purchase date and purchase price for the items.
Consider taking photos of the damage using a camera and/or video camera.
Do not throw away any damaged goods until after an inventory is made. All damages are taken into consideration in developing your insurance claim.
Beginning immediately, save receipts for any money you spend. These receipts are important in showing the insurance company what money you have spent related to your fire loss and also for verifying losses claimed on your income tax.
Renters are not usually covered by their landlord’s policy.
You are responsible for providing insurance coverage for your personal belongings.
Renter’s insurance policies are available from most insurance companies. If you are a student-renter and are still considered a dependent, you may be covered by your parent’s insurance policy.
If You are Not Insured
Your recovery from a fire loss may be based upon your own resources and help from your community.
Private organizations that may be sources of aid or information:
- American Red Cross;
- Salvation Army;
- Religious organizations;
- Department of social services;
- Civic organizations;
- State or municipal emergency services office; and
- Nonprofit crisis counseling centers.