• A fire can be extremely destructive, affecting both the property and its inhabitants. To ensure the highest level of safety and protection, it is essential to invest in a solid and comprehensive home insurance policy that provides thorough coverage against hazardous occurrences such as fires. If you already have such a policy and have experienced a fire incident in your home, here are some suggestions on what to do next. Continue reading to learn more.

Steps to take following a fire

1. Evacuate

Immediately leave the premises if a fire ignites. Remember that nothing is more valuable than your life and the lives of those you care about.
2. Do not tamper with the evidence
Return to the house only after the fire has been controlled. Evaluate the damage but refrain from touching or moving anything. Take photographs or gather any evidence of the fire damage without rearranging items.
3. Collect what you can
Retrieve what you can from the wreckage, such as the original homeowners insurance policy document, as you will require it when filing a claim.
4. Arrange the documents
You will need a collection of documents to file the claim. From the policy document to your KYC documents, all paperwork must be organized correctly for a smooth claims process.
5. File an FIR
If you suspect any criminal activity, file an FIR at the nearest police station and provide a copy of the FIR receipt to bolster your insurance claim.
6. Fill up the claim form
Next, you will need to submit a fire insurance claim. Download the claim form from your insurance provider’s official website. Complete the form accurately and truthfully. Ensure there are no discrepancies here, as that could lead to a rapid claim denial.
7. Make a submission
Verify the details on the form and confirm all documents. Once that is completed, proceed to submit your claim.
By following these steps, you will be able to obtain the claim without any complications. After you submit your request, the insurance company will dispatch a surveyor. Allow the surveyor to examine the property thoroughly, as the final claim amount will rely on his assessment.

Word of caution

• Whether you are submitting a claim under your renters insurance policy or your own property insurance plan, make sure to adhere to the protocols and submit a legitimate claim. Your claim will only be successful if it is valid, legitimate, and backed by the appropriate documentation. Review the policy wording carefully to comprehend the extent of coverage and the conditions outlined by your insurer. After that, submit an accurate and error-free application, and you should be able to receive the claim amount smoothly.

Disclaimer: The information above is intended for illustrative purposes only. For further details, please consult the policy wordings and prospectus before finalizing the sales.