Question 1

How long do I have to file a fire insurance claim?

Accepted Answer

Report it as soon as possible. Policies set deadlines for notice and proof of loss; ask your insurer for them in writing.

Question 2

What is a public adjuster?

Accepted Answer

A licensed professional you hire to handle your claim with your insurer. They charge a percentage of the payout, so weigh whether you need one.

Question 3

Where can I stay after a house fire?

Accepted Answer

The Red Cross and local agencies can help with emergency housing. Your insurance may pay additional living expenses while repairs happen.

Question 4

What are additional living expenses?

Accepted Answer

Extra costs of living elsewhere after a covered loss, like a hotel, rent, meals and laundry, beyond your normal costs. Keep receipts.

Question 5

How do I get a copy of the fire report?

Accepted Answer

Contact the fire department that responded. Many have a request form; there may be a small fee.

Question 6

Should I throw away smoke-damaged things?

Accepted Answer

Not until your adjuster has seen them or approved it. Photograph and list everything first.

Question 7

Do I need a public adjuster after a fire?

Accepted Answer

Not always. They can help with big or complex claims but take a percentage of the payout. Compare and read contracts carefully.

Question 8

How do I replace documents lost in a fire?

Accepted Answer

Contact the agencies that issued them: the DMV for licenses, Social Security for cards, your bank for cards, and the vital records office for birth certificates.

Common questions: After a house fire