How to Assess Fire Damage Before Calling Your Insurer

Before you assess anything, make sure the property is safe to enter. If the fire department has not given the all-clear, wait outside. Fire can weaken floors and ceilings, and soot or smoke residue may irritate your lungs. Wear gloves, a mask, and sturdy shoes if you go inside.

Turn off utilities if you can do so safely, such as gas and electricity. If you smell gas or see sparks, leave and call 911. Do not use water to clean soot or ash, as it can spread the damage. Your health comes first, so see a doctor if you feel unwell from smoke exposure.

Check for obvious signs of structural damage, such as sagging ceilings, cracked walls, or warped doors. Fire can compromise load-bearing beams and the roof. If you see any of these, do not enter further. A qualified structural engineer or building inspector can assess the safety.

Also look for water damage from firefighting efforts. Water can soak into drywall, wood, and insulation, leading to mold if not dried quickly. In a mild marine climate with wet winters and dry summers, moisture can linger, so note any standing water or damp spots in your assessment.

Once you have documented the damage, call your insurance company to report the fire. Have your policy number and documentation ready. Be honest about the extent of the damage, but do not speculate on cause or cost. The insurer will send an adjuster to assess the property.

Ask about your coverage for fire, smoke, and water damage, as well as temporary housing. Policies vary, and your insurer decides what is covered. Keep a log of all conversations with your insurer, including dates and names. If you have questions about your policy, check your documents or ask a qualified attorney.