Recovering from a fire is one of the most traumatic experiences that you may have in your life. However, it also provides an opportunity for a new perspective and a way to press the “restart” button in your life.
While rebuilding a house after a fire, you want to make sure you do all that you can to prevent putting yourself in a tricky financial situation. This is a time for your property insurance provider to help you in your time of need.
See below for a few tips you should consider on how to rebuild after a fire and get you and your family back on your feet.
1. Hire an Adjuster
First things first, before you start the process of rebuilding your home and getting life back to normal, you need to make sure all of your financial needs have been addressed.
Never assume that your property insurance will do the right thing. Even if you’ve been with them for a long time, they will try and low-ball you as much as possible.
Since you’re trying to rebuild after a fire, you need all the money that you can get. That’s why it’s always advantageous to hire a property insurance adjuster.
They will use their expertise to assess the entire situation and come up with how much money that your insurance provider needs to give to pay for all that you’ve lost (that qualifies).
They can do this by inspecting the house, speaking with witnesses (such as yourself), looking at the blueprints of the home, and so on.
This helps ensure that you get the money you need. Otherwise, you’ll be trying to settle with the insurance company yourself against someone whose job is to pay you as little as possible.
The best part? adjusters don’t get paid until you do. If you don’t get any money back, you don’t owe them a cent either.
2. Safely Remove the Debris
To start reconstruction on your home, you’ll need to safely remove all of the debris that’s left from the fire.
Too many victims of house fires don’t factor in the cost of debris removal into their costs and, in doing so, are forced to pay more out of their pockets.
Others make the mistake of thinking “I’ll remove the debris myself”. The problem is that fire debris is a health and safety hazard. To remove it, you need to have all the hazardous waste taken away by an expert service.
Be sure to contact the U.S. Environmental Protection Agency and schedule for them to come by to clean up the fire debris. After that’s safely removed, you can choose to clean the rest up yourself or hire a service to do it for you.
3. Contact Fire Restoration Contractor
As you’ve probably noticed so far in this article already, you can find peace of mind in the fact that there are people professionally trained to help you during this hectic time. You’re not alone!
The same holds for planning your rebuild. You can hire specialized fire restoration contractors to start planning for a rebuild. Make sure that you hire someone with specific experience in rebuilding homes after a fire has occurred.
They’ll be able to walk through your property and inspect all of the damage that they see needs to be addressed. They can use their expertise to make recommendations based on what they find.
The contractor can also set your expectations for the entire process. This includes how long the rebuild might take, what needs to be done, any potential setbacks they might experience, how they plan to secure the property, and so on.
4. Find Temporary Housing
While the rebuilding process is occurring, you need to consider the best course of action for finding temporary housing for you and your family.
There are many options out there for you, but it’s all about finding the right fit for your needs.
For example, you might elect to temporarily move in with a friend or relative that lives close by so that your children can remain in the same district where they go to school.
However, you should take the time to learn of all your options before you make a decision. There are many different ways you can receive help from both federal and state organizations.
Be sure to ask your fire restoration contractor, property insurance adjuster, or your provider for more guidance on that front.
5. Know the Stages
While the experience will differ from family to family, there is always a set order of stages in which your home will be rebuilt.
First, after the property has been secured, the contractor will focus on repairing any structural issues. Then, they will focus on inspecting the electrical system and making any necessary repairs or installations to it.
Once those two facets are complete, they’ll start to focus on things that were caused by the fire such as mold, smoke damage, and so on. They will then focus on remodeling each room as needed, bringing it back to life before your very eyes.
Rebuilding a House After a Fire: Take It One Step at a Time
Now that you’ve gotten a closer look at the process of rebuilding a house after a fire, it’s time for you to make the necessary steps to return things to normalcy.
Make sure to depend on specialized professional services during this time. Hiring a property insurance adjuster and a fire restoration contractor, for example, can help make the experience less stressful.
Be sure to browse our website for more articles on property issues, as well as many other helpful topics that you will enjoy learning about.