Proof Of Loss For Fires

Advice: The Proof of Loss Form for A Fire Claim

A Proof of Loss form is a legal document used commonly in the fire claim process. It’s a formal declaration made by the claimant regarding the amount of smoke and fire damage sustained to a property. Most insurance companies require the submission of the Proof of Loss prior to tendering any payment.

If you want your fire claim to settle without delay then read the following tips our fire claim adjusters compiled before you submit your Proof of Loss.

  1. Know What to Expect
    Many insurance claim professionals consider the Proof of Loss form to be the most important document during the settlement phase of the fire claim process. When you submit the form is as important as what you put on the form. Failing to properly fill out the form or missing the deadline will at a minimum delay your settlement and could even jeopardize your fire claim.
  2. Find Out What’s Required of You in the Fire Claim Process
    The Proof of Loss must be submitted on or before a specific date. Request from your claim adjuster a certified copy of your insurance policy. Section 1- Conditions, (2) Duties After Loss will outline important dates and deadlines you must adhere to after a fire claim. Most policies require you file the Proof of Loss form within 60 days of the date of loss. If you have difficulty understanding your insurance policy, or if you need an extension to file your Proof then write to the insurance company AND your independent claim adjuster to request an extension. As a best practice, contact an experienced fire claim adjuster if you have any questions.
  3. Confirm the TRUE Value of Your Fire Claim
    There are many variables that should be taken into consideration when determining a comprehensive scope of fire and smoke damage. Claim estimates, inventories and other supporting documents will need to be submitted with the Proof of Loss Form. Who are you relying upon to provide you with an estimate and an accurate claim total? Get a second even a third estimate from a qualified and experienced fire claim professional who is not affiliated with your insurance company. *For questions about how to calculate the replacement cost or actual cash value of the personal property portion of your fire claim, contact our office and a public adjuster will be happy to provide you help.
  4. Verify the Details Are Correct
    Double check that your Proof of Loss is signed, dated and notarized. Verify the correct policy number, claim number, policy term, date of loss and other specifics are correctly and legibly listed on the Proof. Insurance companies will reject your Proof if it is not properly executed. This will delay a settlement offer and payment for your fire damage claim.
  5. Be Proactive with Claim Help
    Don’t wait until your fire claim has been delayed or denied before seeking help from an experienced and trusted public adjuster. Hiring professional claim help early in the fire claim process will ensure a quicker and faster settlement.

In conclusion, be proactive with the Proof of Loss Form. Ideally, consult with a trust fire damage adjuster or public adjuster prior to submitting the Proof. Many of these claim professionals offer complimentary advice and insurance claim help.

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