House fires are destructive and dangerous. In a few minutes or hours, everything you have worked hard for will just fall before your eyes. One report says that in 2019, property damages were mostly because of house fires.
Sometimes you are left with salvageable things, and sometimes almost everything is ruined. It gives a greater chance of emotional healing when there are more things you can salvage. And if you have nothing to save then you can choose to sell the land after the demo's complete.
One of the big questions after the flames are gone is if the house should be demolished or revamped. There are a lot of other questions, but the emotional damage and shock may cloud your rational thinking. So take a step back, and breathe in, breathe out. When you have pulled yourself together, take things one step at a time.
The first and foremost step is to inform your insurance agent or company when the fire is cleared. Do not wait for a long time. When you call them immediately, they can process your claim at once and take the necessary measures and assessments. You must be knowledgeable of the coverage of your insurance policy so that you can make claims accordingly.
Policies are varied. For example, home insurance coverage includes the worth of the house prior to the incident. If nothing is salvageable, the company compensates you with the home policy amount plus the possessions affected by the fire. It also includes the expenditure for the house demolition.
This is why one of the most important steps prior to the restoration or clearing of the home from the debris post-incident is to document all the damaged properties or possessions. That way, the company can assess the extent of damage and the extent of the claim to be granted. Do not rush into getting rid of things and it would also be helpful if you list down everything in detail that was affected by the fire. Sometimes, they send people to assess in person so it would be wise not to touch anything first. If you are still emotionally overwhelmed from the disaster, have another family member or a trusted friend do these things for you.
The next thing to do is to allow the professionals to do the necessary inspecting and assessment. Aside from the people sent by the company, it would be best to employ a licensed contractor to inspect the degree of damage and to give honest and precise feedback on the possible cost of renovation, should renovation be done. The people from the insurance company are fine, but most likely; they will make decisions on their terms and not on your terms. The licensed structural engineer or contractor will look into everything necessary, such as the integrity of the structure, condition of the roof, fixtures, and heating systems among others.
One of the big questions after the flames are gone is if the house should be demolished or revamped. There are a lot of other questions, but the emotional damage and shock may cloud your rational thinking. So take a step back, and breathe in, breathe out. When you have pulled yourself together, take things one step at a time.
The first and foremost step is to inform your insurance agent or company when the fire is cleared. Do not wait for a long time. When you call them immediately, they can process your claim at once and take the necessary measures and assessments. You must be knowledgeable of the coverage of your insurance policy so that you can make claims accordingly.
Policies are varied. For example, home insurance coverage includes the worth of the house prior to the incident. If nothing is salvageable, the company compensates you with the home policy amount plus the possessions affected by the fire. It also includes the expenditure for the house demolition.
This is why one of the most important steps prior to the restoration or clearing of the home from the debris post-incident is to document all the damaged properties or possessions. That way, the company can assess the extent of damage and the extent of the claim to be granted. Do not rush into getting rid of things and it would also be helpful if you list down everything in detail that was affected by the fire. Sometimes, they send people to assess in person so it would be wise not to touch anything first. If you are still emotionally overwhelmed from the disaster, have another family member or a trusted friend do these things for you.
The next thing to do is to allow the professionals to do the necessary inspecting and assessment. Aside from the people sent by the company, it would be best to employ a licensed contractor to inspect the degree of damage and to give honest and precise feedback on the possible cost of renovation, should renovation be done. The people from the insurance company are fine, but most likely; they will make decisions on their terms and not on your terms. The licensed structural engineer or contractor will look into everything necessary, such as the integrity of the structure, condition of the roof, fixtures, and heating systems among others.
Next, this is when you make the decision whether you will go for renovation or demolish the whole thing to re-erect your home.
After the third-party inspection and assessment and getting the precise valuation, this will bring you to a decision.
Sometimes, because of the insurance policy, the company might not acknowledge that it is a total loss. Establish the demolishment expenses. The expenses will depend on the materials used to erect the property, how big or small the property is the extent of the structure still erect, and the site.
Finally, employ a licensed, experienced, and reputable contractor who will guide you in your decision-making, whether or not you will renovate or demolish the property. He must also be knowledgeable about insurance policies. You must be confident that your contractor looks after your best interest.
After the third-party inspection and assessment and getting the precise valuation, this will bring you to a decision.
Sometimes, because of the insurance policy, the company might not acknowledge that it is a total loss. Establish the demolishment expenses. The expenses will depend on the materials used to erect the property, how big or small the property is the extent of the structure still erect, and the site.
Finally, employ a licensed, experienced, and reputable contractor who will guide you in your decision-making, whether or not you will renovate or demolish the property. He must also be knowledgeable about insurance policies. You must be confident that your contractor looks after your best interest.
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