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How to File a Fire Damage Insurance Claim (Step by Step)

Last updated October 25, 2026

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The short answer

Document the Damage Thoroughly

After the fire department says the property is safe, walk through every room with a camera or phone. Take wide shots of each space, then close-ups of damaged items, walls, ceilings, and floors. Note the condition of doors, windows, and any structural elements like beams or supports.

Make a written inventory of everything damaged, including furniture, appliances, clothing, and personal items. For each piece, record the brand, model, approximate age, and purchase price if you have it. This paperwork supports your claim and helps you remember what was lost during a stressful time.

  • Photograph soot, charring, and melted materials
  • List items room by room
  • Keep receipts for temporary lodging and meals
  • Save damaged items until the adjuster inspects them
  • Note any water damage from firefighting efforts

Contact Your Insurance Company

Call your insurance company as soon as possible after the fire. Give them your policy number, the date and time of the fire, and a brief description of what happened. They will assign a claim number and tell you what forms or documents to submit.

Ask about your coverage for temporary housing, personal property, and structural repairs. Also ask about deadlines for filing paperwork and whether you need to submit a proof of loss form. Policies vary, and your insurer decides what is covered. Write down the name of the adjuster handling your case.

  • Have your policy number ready
  • Ask about temporary living expenses
  • Clarify deadlines for submitting forms
  • Request a copy of your policy and coverage details
  • Ask what documentation they require

Secure Your Property

After a fire, your home may be exposed to weather and further damage. Board up broken windows, cover holes in the roof, and tarp damaged areas to keep rain out. If you live in Kirkland, the mild marine climate with wet winters and dry summers means moisture can quickly cause additional problems.

Make temporary repairs only to prevent further loss, not to improve the property. Keep all receipts for materials and labor, as your insurance company may reimburse these costs. If you need help securing the structure, local water damage pros can handle emergency tarping and boarding.

Work with the Adjuster

Your insurance adjuster will inspect the property and assess the damage. Walk through the home with them and point out every affected area. Provide your photo and inventory documentation. Be honest and thorough, as the adjuster's report forms the basis of your settlement.

Ask questions if you do not understand the scope of loss or the claims process. If you disagree with the adjuster's assessment, you can request a second opinion or hire an independent appraiser. Keep copies of all correspondence and notes from phone calls. If you have a mortgage, your lender may also need to be involved.

Plan Your Restoration

Once your claim is approved, you can begin planning the restoration. Fire damage often includes smoke and soot removal, structural repairs, and water damage from firefighting. The pros can clean, dry, and rebuild affected areas. For commercial spaces like a restaurant or store, restoration may require coordination with health and safety inspections.

Keep a log of all restoration expenses and communicate regularly with your adjuster. If your coverage includes replacement cost, you may need to complete repairs before receiving full payment. Stay organized and patient, as the process can take weeks. If you live in Kirkland, keep your policy documents and adjuster contact information in a safe, accessible place.

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Phones are answered 24/7 for Kirkland and nearby communities.

Call Now (425) 406-3256

Frequently asked questions

How long do I have to file a fire damage claim?

Most policies have deadlines, often within one year of the fire, but check your specific policy. Notify your insurance company as soon as possible to avoid missing any time limits. Delays can complicate the process and affect your coverage.

What should I do with damaged items before the adjuster inspects them?

Leave damaged items in place until the adjuster inspects them. Take photos and make a list, but do not throw anything away. If items are a safety hazard, move them and note their original location. Keep receipts for any disposal costs.

Can I hire my own contractor for fire restoration?

You can hire any qualified professional, but check your policy for approval requirements. Some policies require you to use certain contractors or get prior approval. Discuss your plans with your adjuster before starting major work to ensure coverage.

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