main-logo
  • Services
    • Water Damage Restoration
    • Fire Damage Restoration
    • Mold Remediation
    • Insurance Restoration
    • HVAC Decontamination
    • Drying & Dehumidification
  • Commercial
    • COVID-19 Cleaning & Decontamination Services
    • Document & Media Recovery
    • Commercial Cleaning Services
    • Priority Disaster Response Program
  • Residential
  • Construction
    • Residential Construction
    • Commercial Construction
    • Multi-Family Construction
    • Controlled Demolitions
  • Disasters
    • Residential Disaster Recovery
    • Commercial Disaster Recovery
    • Priority Disaster Response Program
    • Emergency Repairs
    • Emergency Board-Up Services
    • Storm Damage Repairs
    • Natural Disasters
    • Biohazard Cleanup
    • Personal Effects Recovery
    • Packout Restoration Services
    • Aviation & Transportation Incidents
  • About Us
    • Contact Us
    • Careers
    • Our Reviews
    • Our History
    • Our Clients
    • Resources
    • Blog
    • Acquisitions
  • Locations
×
  • Services
    • Water Damage Restoration
    • Fire Damage Restoration
    • Mold Remediation
    • Insurance Restoration
    • HVAC Decontamination
    • Drying & Dehumidification
  • Commercial
    • COVID-19 Cleaning & Decontamination Services
    • Document & Media Recovery
    • Commercial Cleaning Services
    • Priority Disaster Response Program
  • Residential
  • Construction
    • Residential Construction
    • Commercial Construction
    • Multi-Family Construction
    • Controlled Demolitions
  • Disasters
    • Residential Disaster Recovery
    • Commercial Disaster Recovery
    • Priority Disaster Response Program
    • Emergency Repairs
    • Emergency Board-Up Services
    • Storm Damage Repairs
    • Natural Disasters
    • Biohazard Cleanup
    • Personal Effects Recovery
    • Packout Restoration Services
    • Aviation & Transportation Incidents
  • About Us
    • Contact Us
    • Careers
    • Our Reviews
    • Our History
    • Our Clients
    • Resources
    • Blog
    • Acquisitions
  • Locations
24-Hour Response
877-899-0676
24-Hour Response
877-899-0676

What to Do After a House Fire: 6 Important Steps to Follow

Home / Fire & Smoke Damage Restoration / What to Do After a House Fire: 6 Important Steps to Follow
February 1, 2019

What to Do After a House Fire: 6 Important Steps to Follow

You bought this house thinking you would spend decades there. The last thing you anticipated was losing everything in a house fire.

But that’s what happened–in what felt like the blink of an eye, all of your worldly possessions and precious memories went up in smoke. You’re trying to wrap your head around the loss, but you’re also trying to start the restoration process. If you have no clue what to do after a house fire, here are six tips to get you started.

1. Find a Place to Stay

House FireBefore you do anything else, you need to find a place to stay. If the damage to your home was extensive, then it’s likely unsafe for you to stay in. Add in the fact that house fires can be highly traumatizing for children and pets and it’s a good idea to get some space.

Even if it’s just for a night or a few days, staying somewhere else will give your family some time to recuperate while you plan your next steps.

This could be a hotel, a family member’s home, or a friend’s house. If you don’t have friends or family nearby, or if staying in a hotel isn’t an option, reach out to a local disaster relief agency like the American Red Cross.

2. Contact Your Insurance Agent

Once you have a plan as to where everyone will sleep and eat for a few days, you need to get in touch with your insurance agent ASAP. The sooner you alert your insurance carrier and file a claim, the sooner you can start repairs or begin looking for a new home. In addition, this will give you access to loss of use funds, which will cover your living expenses while you find your footing again. These are especially useful if you lost your credit or debit cards to the flames.

3. Contact the Police

Your next phone call is to your local police department. You might not think you need to call the police if there was no foul play involved in your house fire, but that’s not really why you’re calling them.

You’re calling the police because an empty house–even a burnt shell of an empty house–is a magnet for squatters and looters. You want to prevent that possibility by boarding up the doors and windows. If you can’t do it yourself, you can hire professionals to handle it for you. This is also part of your legal obligation to secure your premises. In the eyes of the law (and your insurance policy), you are legally required to take the necessary steps to minimize risk to others on your property. This includes boarding up your property and putting up a temporary fence, as well as contacting the fire department to ensure that the fire is out and there is no further risk of fire.

4. Address Your Finances

Next, you need to address your finances. Unfortunately, financial responsibilities like your mortgage will continue even if your home is destroyed. Many insurance policies will cover mortgages in the event of a fire, but you still need to address other recurring costs, such as:

  • Car payments
  • Utilities (gas, heat, water, etc.)
  • Internet and cable
  • Any outstanding debts, like student loans

If your insurance won’t cover these costs, you’ll have to figure out how to pay for them or reduce them. If you won’t be in your house for several months due to repairs, it may be wise to cancel your internet in the meantime.

5. Create a List of Damaged Items

From there, you’ll have to create a list of any items that were damaged or destroyed in the fire, as you’ll need to replace them. If you make a list, you can present it to your insurance to get reimbursed.

You’d be amazed how many things get lost in a fire, from clothing and furniture to cooking supplies to appliances. Most insurance carriers will ask for exact information like the make, model, and the serial number of the items you’re replacing, which can be difficult if you don’t have access to your house. The best way to go about this is to look up your old bank statements from when you bought the items (especially large items like kitchen appliances). Whenever you purchase something, hold onto the receipt so that you can submit it to your insurance company for reimbursement.

You’ll also need to replace certain critical life documents, such as:

  • Driver’s license
  • Passport
  • Birth certificate
  • Social Security card
  • Medical records
  • Tax records
  • Titles and deeds

You’ll need to replace those immediately. Go to your local Secretary of State’s office and your doctor’s office and they can help replace many of these documents. You should also ask your insurance agent about which items are essential to replace. Replace those items first.

6. Get an Advance

Chances are if you had to evacuate your house in a hurry, or if the fire occurred while you were away, you probably didn’t have the opportunity to grab essentials (i.e. toothpaste, clothes, phone chargers, etc.)

Your insurance company will pay to replace them, but if you need to go to work next week and you don’t have a single piece of work clothing, you can’t wait for the claim to process. To help you make up the difference in the meantime, ask your insurance company for an advance against your eventual claim. This is basically a sum taken out of the claim you would have been paid later. You’re not getting less money on the claim, you’re just getting part of the money sooner. Ask your insurance agent to drop off a check where you’re staying, or ask them to prepare a check so you can pick it up.

Keep receipts for everything you buy so that you can be reimbursed, but keep in mind that your insurance will only reimburse equivalent value (don’t spring for pricey clothes, your insurance won’t pay for them).

Don’t Know What to Do After a House Fire?

If you’re trying to figure out what to do after a house fire, you’re probably scared. You’re scrambling to figure out how you can afford this and how you can even begin to deal with the repairs.

Take a deep breath. Let Blackmon Mooring & BMS CAT take a load off your mind. We’ve helped families handle fire damage restoration since 1948. Let us help your family figure out your next steps. Get in touch today to start rebuilding your life.

Filed Under: Fire & Smoke Damage Restoration, Helpful Tips

Search

Subscribe to our Blog

  • This field is for validation purposes and should be left unchanged.

Categories

  • Air Duct Cleaning
  • Carpet Cleaning
  • Disaster Recovery
  • Document Recovery
  • Fire & Smoke Damage Restoration
  • General
  • Helpful Tips
  • Insurance
  • Mold Remediation
  • News & Press
  • Reconstruction
  • Restoration
  • Social Media
  • Tile & Grout Cleaning
  • Transportation
  • Upholstery & Furniture Cleaning
  • Water Damage Restoration
  • White Papers

Archives

  • January 2023
  • December 2022
  • November 2022
  • March 2022
  • February 2022
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • March 2021
  • February 2021
  • January 2021
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • February 2018
  • January 2018
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • March 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015

We Service Your Area

  • Atlanta

  • Austin

  • Boston

  • Charleston

  • Charlotte

  • Chicago

  • College Station

  • Columbus

  • Dallas

  • Detroit

  • Exton

  • Fayetteville - Design Center

  • Fayetteville

  • Harrisburg

  • Houston

  • Huntingdon Valley

  • Lehigh Valley

  • Los Angeles

  • Miami

  • Milwaukee

  • Nashville

  • New Jersey

  • New York

  • Oklahoma City

  • Orlando

  • Pittsburgh

  • Philadelphia

  • Phoenix

  • Port Huron

  • Raleigh

  • San Antonio

  • San Francisco

  • Scranton

  • Tampa

  • Tulsa

  • Washington D.C.

  • Wilmington

  • See All Locations

We Service Your Area

  • Atlanta

  • Austin

  • Boston

  • Charleston

  • Charlotte

  • Chicago

  • College Station

  • Columbus

  • Dallas

  • Detroit

  • Exton

  • Fayetteville - Design Center

  • Fayetteville

  • Harrisburg

  • Houston

  • Huntingdon Valley

  • Lehigh Valley

  • Los Angeles

  • Miami

  • Milwaukee

  • Nashville

  • New Jersey

  • New York

  • Oklahoma City

  • Orlando

  • Pittsburgh

  • Philadelphia

  • Phoenix

  • Port Huron

  • Raleigh

  • San Antonio

  • San Francisco

  • Scranton

  • Tampa

  • Tulsa

  • Washington D.C.

  • Wilmington

  • See All Locations

  • Commercial
  • Residential
  • Construction
  • Careers
  • Contact Us
  • Disasters
  • About Us
  • Locations
  • Privacy Policy
  • Site Map
  • CE Courses

Corporate Headquarters
5718 Airport Freeway
Haltom City, TX, 76117

  • facebook
  • twitter
  • rss
  • youtube

Copyright © 2023 - All rights reserved.