Any fire, no matter how small, can be destructive, because according to information provided by the Mexican Association of Automatic Fire Sprinklers (AMRACI) and Civil Protection, the most catastrophic losses in our country are fires, which occupy a high percentage at home, and can be produced by chance, by human carelessness, by failures in electrical maintenance and in the worst case, intentionally.
Despite the fact that these events are recurrent in our country, few homes have protection insurance for the home, which not only represents financial support, but also provides peace of mind in the event of a phenomenon of this magnitude.
Home Insurance can be of great help if you have the right coverage
Hiring an All Risk Home Insurance may be the best option to be protected against any accident caused by natural or hydrometeorological phenomena and of course, by fires.
Fire coverage generally ranges from damage caused to the property such as: construction, fences, patios, fixed installations for water service, air conditioning, drainage, wiring, finished buildings, etc. Likewise, objects inside the home can also be insured through an additional coverage called Property Contents.
Now, it should be noted that not all insurers are governed under the same conditions, that is, fire insurance policies may vary depending on the company with which you contract, therefore, it is important to read the conditions of the contract carefully before sign.
Recommendations for claiming fire insurance
First, you must make sure you have insurance that guarantees coverage of the risk you are claiming. Knowing the terms, conditions and exclusions of the policy is an obligation of every insured.
Now, take note of the following recommendations that we will give you on how to claim your fire insurance with the insurer:
- Collect and document information about the incident: Take pictures and make a list of the damage caused by the fire.
- Notify the insurer: Contact your insurance agent and inform him of what happened, he will support you in carrying out all the management before the insurer. If you contracted the insurance directly with the company, in the same way you must inform them and have specific information at hand such as: insured and policy data, cause of the fire, damage inventory, among others. Remember that you must give notice as soon as possible.
- Request a detailed report issued by the Fire Department, Civil Protection and whatever authority you have reported.
- Have invoices and guarantees on hand for all your goods.
When the insurer is aware of the loss, it will send an adjuster to carry out the investigation, at that time you can deliver all the documentation that you have collected. This will help streamline and facilitate the claim process. Once the insurance company has all the information, it will determine the compensation that you should receive according to the coverage of your policy.
In Gallbo Global Insurance Claimers we know how important it is to take care of your assets and maintain your financial stability; avoid taking risks and know our services Claims claim Y Second opinion.
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