Insurance and claims

General documentation tips. Cover depends on your policy wording.

Building exterior after Christmas-tree fire damage — Photo: PAUL GAVINGER, Wikimedia Commons, CC BY 2.0

Document

Photos and short video before discarding soot-damaged items.
Note time, rooms affected and fire department incident number if you have it.
Keep communication with your insurer.

Claim

Notify your insurer as your policy requires. A referred contractor can describe technical findings; they do not replace your claim or act as your public adjuster.

Not legal or insurance advice.