If you have a fire or water emergency, please call us now at (843) 823-7400

To have the optimal experience while using this site, you will need to update your browser. You may want to try one of the following alternatives:

Fire & Water - Cleanup & Restoration

How Do I File A Claim After A Fire?

10/4/2022 (Permalink)

When you have fire damage in your Charleston, SC home or business get in contact with your insurance company.

How Do I File A Claim After A Fire?

Fires are devastating. Whether you've had a fire in your Charleston, SC home or business, it's crucial to act quickly and make sure that your property is restored as soon as possible. If you have homeowner's insurance or commercial insurance, then it's important to understand what steps need to be taken after a fire occurs.

Inspect Damage.

When you return to your home or business following a fire, there are several steps you should take to assess the damage. The first step is to inspect the property for fire, smoke, and water damage. Use this Fire Damage Inspection Checklist to help you determine whether there is any structural damage caused by the fire:

  • Check for visible signs of smoke and soot stains on walls, ceilings, floors, and other surfaces throughout the structure.
  • Measure room dimensions with a measuring tape to identify areas that may have been affected by heat from the firefighters' hoses.
  • Look at areas where furniture was positioned in relation to any windows or doors—they could have blocked access for entry into certain rooms where pets were kept (e.g., bedrooms).
  • Look at electrical wiring/cables inside walls as well as switches/outlets in rooms—if they've been damaged it could lead to dangerous conditions during reoccupation after repairs are completed

Understand Your Fire Insurance Policy.

  • Understand the terms of your policy.
  • Know what is covered and what isn't.
  • Check the conditions for filing a claim. For example, you may have to provide proof that any damage was caused by fire before you can file a claim for it.
  • Check the deductible. This is the amount of money you'll be responsible for paying out-of-pocket when you file a claim on your insurance policy, so make sure that you can afford it before proceeding with filing one!
  • Check the amount of coverage available under your policy.

Contact a Fire Restoration Company.

As the owner or renter of the damaged property, you will need to file a claim with your insurance company. Filing a claim is the first step in securing compensation for your losses.

Your insurance agent will guide you through this process and help you prepare all the necessary paperwork. You should make sure that you have gathered all your receipts, invoices, and other documentation before calling them. This can save both time and energy when filing your claim so that it gets processed as quickly as possible.

To determine how much money should be paid out by the insurance company on behalf of their policyholders, they usually send out an inspector who inspects their home after they have filed a claim. The inspector will check what type of damage has occurred (such as smoke or fire damage) and then give them an estimate on how much it would cost to repair those damages at today's prices

Calculate Damage.

Once you have determined that a fire caused your property damage, it is important to calculate the damage. You will need this information to file an insurance claim with your provider. If you are unsure how to do this on your own, please ask us for help!

Contact Your Insurance Provider.

Once you have contacted your restoration company and received an estimate for the damage, contact your insurance provider to file a claim. Your provider will want to know:

  • The exact date, time, and location of the fire.
  • Information about any other property that may have been damaged in addition to your home or business.
  • What types of things were damaged (e.g., carpeting, furniture)?

The process for filing a claim varies from one insurance carrier to another but generally takes about 30 days from start to finish because there are so many steps involved in processing it—from getting an adjuster out on site as quickly as possible after a fire occurs through determining how much money should be paid out based on policy terms and conditions.


We have covered the most important aspects of filing a claim after a fire. You should now be able to get your insurance company involved, as well as contact a fire restoration company that can help put your home back together again.

Other News

View Recent Posts