Your home is the place where you have the most beautiful memories. It is the place where you grew up to become the person you are today and where your heart resides. Hardly anyone can wait for their job to be completed so they can rush back to the comfort of their homes. It is the place you will never forget in your life. Even when you grow up and get your own place, your childhood home will always have a special place in your heart. It is the place you saw all your dreams at. It is crucial to protect your home from unforeseen circumstances. In case of fire, you can lose all your belongings and your home and will be left with nothing.
Rebuilding your home will be costly, and not everyone saves up that much money. Getting home
fire insurance
from fire insurance companies in India is the best way to secure your home. In case a fire breaks loose in your home, home fire insurance will provide coverage for damage, and you will be able to rebuild your home without any problem. Here are ten things you learned in preschool that will help you with home fire insurance:-
You can ask for an advance from the insurance company in case a fire occurred at your home. You will probably lose a lot of your belongings in the fire, and the advance will help you carry on with life with a bit of normalcy. The advance amount will be cut from your total coverage amount, though.
Make a list of all the items that suffered damage due to fire. You should not throw anything away as the items though unusable, will be proof that they indeed suffered damage. If you throw away anything, the insurer may deny compensation for it.
Call the insurance company as soon as possible after the fire. The insurance company will ask you for a list of all the items that you lost and their value. You must include all the items as well as repairs that will be required and injuries suffered by family members.
Try to reduce any future damage at your home. The insurance company will expect you to protect the property from further damage. You must do some impromptu repairs in your capacity and move the belongings that are unharmed to a safe location.
Keep all the bills that you incurred while you were living away from your home. The insurance company will only reimburse that you the amount you had to spend overhead from your general living costs.
Hire a contractor to get estimates for the repair and replacement. Hire a contractor that has experience dealing with insurance companies.
You must keep paying your insurance premiums even after filing the claim. This will make sure that your house is covered in case any damages occur after the fire.
You have the right to not close our claim for as long as you want. You might have overlooked something in the trauma after the fire. Take some time to ensure you have covered everything.
If you are not able to reach a settlement with the insurance company after hiring a contractor, you can hire a public adjuster. He will take around 10 percent of settlement money but can help you get a significantly higher settlement.
10. Do not be afraid to lose your coverage because of raising a claim. If disaster did occur, you are doing nothing wrong and will not be treated as a "habitual claimant."
All these things will help you when dealing with home fire insurance . If you do not have a home fire insurance yet purchase one now from fire insurance companies in India.
