The holidays are one of the riskiest times of the year when it comes to house fires. Statistically, there are more fires over the winter holidays than at any other time of year. They’re caused by electrical problems, accidents involving Christmas trees, cooking accidents, and candles.
Experiencing a fire over the holidays is a difficult experience on its own. As tough as it can be at any time of the year, it’s especially challenging having to find a temporary place to live at a time of year when many enjoy spending time with family at home.
These tips can help you deal with your insurance claim and make the process a smooth one.
#1 Get Help with Major Claims
While you should be able to handle minor claims on your own, if your home has seen significant damage due to a fire, the financial stakes are too high to handle without help. Hiring an insurance lawyer may be worthwhile if the damages are significant.
#2 Wait Until Your Claim Is Over to Change Insurers
Often people want to change their homeowners insurance after a fire claim. They may have seen their premiums rise, or they may be unhappy with the way the insurer handled the claim.