Making A Fire Insurance Claim in Glenview, Morton Grove, and Niles

Going through a fire damage restoration process can be very demanding of you, so when you make a fire insurance claim, make sure you have all the paperwork at hand. It is very important to make the fire insurance claim process very smooth and to be very well organized.

The insurance adjuster will be with you every step of the process, but your claim decision may be out of their hands.

Before making the fire insurance claim, however, you need to check for the things that are covered by your insurance. You will have to check for information such as:

  • What is covered in the insurance policy
  • What is NOT covered by the insurance policy
  • How much coverage you have
  • What is the type of coverage you have

When you make the fire insurance claim in Chicago, Des Plaines, Glenview, Hanover Park, Highland Park, Lincolnwood, Morton Grove, Niles, Park Ridge, Skokie the insurance adjuster or insurance agent will help you determine how to file the claim. They should also let you know on things such as the deadlines that might apply to your claim.

Once you sent the fire insurance claim to your company, the company will usually take over the process from there on. What follows is a series of case analysis: your file is sent to a claims representative who determines your deductibles, policy limits, and other information that is needed. During this process an investigator might be sent to your home for further investigations.

When everything is clear regarding the fire accident (provided that there is no suspicion of fraud) a plan will be put in place containing the cost estimates of the losses. Payment will be received depending on the type of loss; either way, ask your insurer about the payment process and, if needed, ask them to give you a written evidence of the payment process.