Fire claim checklist

First days

• Make sure everyone is safe and get medical care if needed
• Notify your insurer promptly and write down your claim number
• Ask for a complete, certified copy of your policy, including endorsements
• Request an advance for living expenses if you are displaced
• Photograph and video the damage when it is safe to do so

First weeks

• Keep a claim diary: dates, names, what was said
• Save every receipt (housing, meals, mileage, clothing, toiletries)
• Start a contents list room by room, using photos, videos and purchase history
• Get your own contractor bids. Don’t rely only on the insurer’s estimate
• Ask for important decisions and explanations in writing

Before you sign anything

• Read releases and “final payment” letters carefully
• Don’t give a recorded statement or examination under oath without understanding your rights
• Have a lawyer review the offer if it seems low. The review is free