Making a Fire Claim in East Honolulu

3/1/2023 (Permalink)

Most property owners in Hawai’i use home insurance, this process is generically the same regardless of provider. Requirements to prove water or fire damages are also similar, especially because we live on such a small island! 

Regardless of who your insurance company, these measures needed to estimate the cost of restoration and cleanup. 

Fire is an aggressive type of damage, secondary impairments can incur within hours after fire occurs. Soot is acidic, as such it tends to compromise any and all materials it finds itself on. 

Weakening drywall, flooring, wood furnishings, or carpets. Additionally, most of the costs from fire damage are ironically from water damage. 

The damage due to the water used to put out the fire, destroying electronics, paper goods, wiring, and other water sensitive materials found within homes. 

Here is Some Information To Know When You Make a Fire Claim 

• Proof of Damages 

 When a fire claim is filed it needs to be proven by photos and videos. Making sure to thoroughly document any affected areas of your property to help your insurance make the most sound price estimate. 

It is crucial for us to be the most transparent with your insurance company when handling fire damage. Knowing the extent of the damage and the allocations needed to rebuild your hale. 

• List of Your Losses 

Additionally, indicating where the damage has specifically occurred on your goods is equally important. This facilitates your home being re-established to its pre-fire condition, enabling the claim settlement process. With proof of purchase of these goods, replacement or repairing options, and in some cases proof of authenticity are great companions with the list of damaged goods. 

Although you may not be able to anticipate damage, it is good to be prepared. With furniture, clothing, items that are of more value to you it is good to know the proper handling when such an occurrence arises. 

• The Estimate for Restoration 

It is essential for any insurance company to know the true extent of your damage, thus a scheduled appointment for an adjustor or local restoration company such as SERVPRO of East Honolulu occurs. This is the documentation process for the insurance and remediation companies that will aid in fixing those damages.  

Preparing to file a fire damage claim it is decisive to get the above information, for your convenience and the most covered when damage arises. Regardless of your insurance policy here in East Honolulu, O’ahu these tips will aid in the remediation and restoration process. 

And when disaster strikes SERVPRO of East Honolulu is here for any remediation or restoration needed. Call us (808)395-9545 with any questions, comments, or concerns.