We wish to point out that the proper insurance is one of the key factors that influence the stability and prosperity of the family. In addition to selecting the right insurance company, it is important to make a good assessment of what should be insured.
Fire protection is definitely one of the details that will not be missed.
One of the most important things today is to insure your possessions. Your house should be insured against floods, earthquakes, natural disasters.
But never forget to insure your property against fire. Fire insurance is essential today!
Even it is true that modern technologies offer variety of possibilities to remotely control power devices in your house, you will agree that it is not easy to change human habits and make them embrace new technology.
But another problem raises its head after an unfortunate event occurs, how to make a successful insurance claim?
There are few well-known causes of fires in the home: improper use of electrical appliances, old installations and human factors. And, you can almost never be sure which of these factors could harm your property. We will not cover the proper selection of an insurance company in this article because, we assume that readers are already familiar with such thing and their choice is the best one. However, it is necessary, once you choose a reliable insurance company, to define in detail those factors which the property requires insurance cover for.
If you are really unlucky and for some reason, have a fire in your property, it is important that you contact the insurance company urgently with a list of the damage. You have to call the insurance company and report via a phone call when you have had an accident. Then you should normally expect that the insurance company’s representative to call at your house to conduct a survey and compile a damage report. It can be said that the list of damages is crucial point upon which the successful insurance settlement collection depends on. If you miss something, do not expect that you will get compensation if you discover this after the claim has been filed.
Insurance company agent and you will sign report on the damage that is caused by the fire. This is a valid document on which you claim the money.
The other thing that insurance companies keenly observe in such a situation, is the consistency of the claim report submitted with the contract. In case ambiguities are identified in either of the documents ie the contact and the report they may end up calling you to clarify these. During this period you should additionally check all the details of the contract in order to clarify potential confusion. Depending on the amount of damage and on condition that it is governed by a contract, you may receive temporary housing by the insurance company.
This phenomenon is not unusual, especially in areas where fires are statistically more likely to occur. After you receive your settlement, you should avoid the temptation of spending the money you receive on another project or other need rather than what it was purposed for. Should you decide to build another house instead of repairing the already damaged one, then it is always advisable to bring down the damaged house down and also have the site cleared.
Remember you still own the building. Fire damaged properties usually attract attention and it is unlikely that your local ordinance will allow it to remain like that for long. Also there is a danger of someone getting hurt on that property and in such a case, you would be liable. So, clear the site to prevent such liabilities and also to avoid getting into trouble with the local government.