In France, a household fire is triggered on average every two minutes. This causes damage estimated at around 1.3 billion euros annually by insurance companies. However, after being a victim of a devastating fire, it is not easy to regain consciousness to handle the sequence of events. That's why this week DIYDubranche offers you to discover the different steps to be taken following a fire at home.
Report the claim.
After the intervention of firefighters, the first things to do and prevent your insurance. To do this, you have a period of five days after the date of the loss. However, do not be satisfied with a simple letter of declaration with acknowledgment of receipt. Indeed in order to obtain a maximum of refund, it is necessary to specify many information to your insurer. For example, you will send him the fire report, photographs taken on site a few hours after the incident, the list of all concerned and the names of their insurance companies. Finally, you will provide them with a list as detailed as possible of all your property destroyed during the fire, not to mention the photocopies of their bills if you have kept them and if by chance, they have been spared by the flames.
Secure the premises.
Once the fire is under control, however, housing remains a dangerous place. We must therefore take the necessary measures to secure the premises. Namely that in some cases the fire damages the very structure of the house, which can collapse at any time. Housing can therefore, in some cases, be denied access even to its owners. In addition, if the doors and windows are damaged by flames, they must be barricaded to avoid potential intruders. In addition, the house must be protected against the weather such as rain, snow, wind or frost. If, however, the dwelling remains habitable, then the damaged parts must be dried and cleaned as soon as possible. If the task is too big, know that there are companies specializing in disaster recovery.
Fire insurance covers both physical damage and property damage. Thus, you will be reimbursed for the damage caused by the smoke that usually affect people as well as for the damage caused by the fire itself that affect the housing and property it contains. In addition, you will also be reimbursed for damages caused by firefighters who are sometimes more important than those of the fire. Indeed, after suffering the onslaught of flames, your home is likely to end up flooded with firemen's spears. Attention, in some specific cases, it may happen that the insurance does not cover the damage. So if the expert mandated by your insurance can prove that the incident was caused by a defective or not maintained device, for example a boiler or a chimney, you will not be refunded. The same applies to household accidents (for example, if the accident is caused by a badly extinguished cigarette) and electrical damage. However, for these two cases it is possible to subscribe to an additional optional guarantee with your insurer. Finally, if the fire was voluntarily put by the insured, it will obviously not be refunded.
To conclude this survey, Handymaker DuDimanche strongly encourages you to prevent domestic fire hazards by equipping you with detectors of heat, smoke and / or carbon monoxide, not to mention to invest in a fire extinguisher adapted to your needs.