NEEDS IMMEDIATELY
AFTER A HOUSE FIRE
Immediately after a house fire, you will likely be in shock. You will
also be under a lot of stress. However, it’s important to act as quickly
as possible. To help you reduce your stress and act quickly, here are the
things to do as soon as you can after the fire.
Using the
CHECKLIST log vital information, such
as:
• Date of fire
•Time of fire
• Location of fire
• Name and address of the fire department that responded and put out the
fire
• Name and contact information for the fire marshal or fire investigator
Secure temporary housing
DO NOT OCCUPY A HOUSE THAT IS UNSUITABLE TO LIVE IN.
You will probably
need to find a place for you and your family to stay right after the fire.
If you are unable to reach your Insurance carrier until the next business
day, you should contact your local American Red Cross for an emergency
hotel.
If you elect to stay with friends or family, keep in mind that if
your Insurance carrier is not paying for your temporary housing there may
not be sufficient motivation for them to settle your claim and get you
back into your home. There are also temporary housing companies that can
assist you with finding a home comparable to yours to reside in while your
home undergoes repairs.
Oftentimes, insurance will place you in a hotel
while they look for a comparable house. Depending on your policy, there
may be other options that your insurance covers such as furnished
apartments and town homes. For immediate housing assistance, you can
contact your local American Red Cross or Salvation Army.
You can also contact us for assistance with temporary housing.
It is very important to know that as soon as you begin paying for services
related to your burned home, you begin tapping into the money available
through your fire damage insurance.
Your insurance company will likely have a list of vendors for services
that you’ll need. You can use their vendors, but you also have the choice
to select your own vendors. Remember that just because they are an
Insurance Preferred vendor does not necessarily make them qualified to
assist with your damages.
Safety 101
Do not enter your home until the fire department says it is safe to do so.
After the fire, it will be tempting to reenter your home. However, it is
not safe to go back in right away. Damage caused by the fire, including
soot and water left behind, could make you sick.
Do not eat or drink
anything that has been near the fire in your home. Walls and roofs damaged
by the fire could collapse or cave in. Utilities such as water,
electricity and gas are most likely not safe to use. The fire department
may have shut them off before they left the scene of the fire. Do not turn
them back on if they were shut off.
Keep your pets safe
You will want to make sure your pets are found and relocated to a safe
place. Animals that are scared can behave differently than normal,
including biting and scratching. Don’t let your pets into the fire damaged
home until you have a Certificate of Occupancy (COO) to reenter (more on
the COO later!).
If you will be relocated to temporary housing it is important to tell your
Insurance carrier what pets you have to ensure that your temporary home
allows pets.
If this is not possible, there are alternative housing
options, as mentioned above, that your insurance company may not tell you
about. With these options, you can often find housing to accommodate your
pet.
Certificate of Occupancy (COO)
Before re-occupying your home after it has been burned, you will need to
obtain a certificate of occupancy (COO). The COO will demonstrate that the
necessary code requirements have been met and the home is safe to occupy.
Depending on how much damage there was to your home, it might be a very
long time and take a lot of restoration work before you can reenter your
home. However, it’s helpful to understand the COO process early on after
the fire.
You can check your city’s website for how to obtain a COO. However, the
steps to obtain it are somewhat similar across municipalities and include:
Complete and submit the necessary paperwork to apply for a COO
Go through an inspection process that typically includes one or multiple
inspections
Contact the police department
Let you local police department know that you have had a fire will be away
from your home.
YOUR VALUABLES
Obtain a copy of the fire report
A fire report is a public document in most cities. You will want to have a
copy of it for your records. Ask the fire department, the fire marshal or
the fire investigator for a copy of it. You will need it when you begin
discussions with your insurance company and others in the days and weeks
following the house fire.
Contact your insurance carrier
It is best to contact your insurance carrier immediately after the fire to
file a claim and to discuss your coverage. Request a copy of your policy
if the fire destroyed your copy.
Your property may need to be boarded up
after the fire for safety and security reasons. If your local fire
department does not call a vendor to do this then you will need to request
that your Insurance Carrier send someone immediately or contact one on
your own.
Your Insurance carrier might ask you to do things like make a
list of your contents damaged in the fire and detail how much you paid for
these items. It is very important that you select a vendor that
specializes in contents counting and inventory. More information on
selecting a vendor will be covered later on in this book.
Replace valuable documents
Replace any of these documents that were damaged or lost in the fire as
quickly as you can:
• Driver’s license
• Bankbooks (checking, savings)
• Passports
• Insurance policies
• Birth, death and marriage certificates
• Social Security cards
• Medicare or Medicaid cards
• Credit cards
• Titles to deeds
• Wills
• Medical records
• Stocks and bonds
• Warranties
• Income tax records
• Citizenship papers
• Animal registration papers
• Mortgage documents
Replace burned or damaged money
Bills
Place damaged paper money in plastic wrap to preserve it and handle it as
little as possible. You have two options for replacing burned money:
If half or more of the money is intact, you can take it to your regional
Federal Reserve Bank to get it replaced. Your local bank can provide you
with the location of the closest Federal Reserve Bank.
You can take burned money to the Post Office and mail it by “registered
mail, return mail requested” to:
Department of the Treasury Bureau of Engraving and Printing
Office of Currency Standards
P.O. Box 37048
Washington, D.C. 20013
Coins
You can take damaged or melted coins to your regional Federal Reserve Bank
as well or mail by “registered mail, return receipt requested” to:
Superintendent U.S. Mint
P.O. Box 400
Philadelphia, PA 19105
U.S. Savings Bonds
To replace destroyed U.S. Savings Bonds, obtain the Department of Treasury
Form PD F 1048 (I) from your local bank or at www.ustreas.gov and mail it
to:
Department of the Treasury
Bureau of the Public Debt
Savings Bonds Operations
P.O. Box 1328
Parkersburg, WV, 26106-1328
Save your receipts
Be sure to save all receipts for items you spend related to the fire. You
may be asked to produce them to your insurance company later. You will
also need them to claim losses on your income tax. |