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What to Do After a House Fire: Your Step-by-Step Guide

What to Do After a House Fire: Your Step-by-Step Guide

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What To Do After a House Fire: Your Step-By-Step Guide

House on Fire

A house fire is one of the most devastating events a homeowner can experience. In the aftermath, it’s natural to feel overwhelmed and uncertain about what to do next. This guide is here to help you take the first critical steps with clarity and confidence — from ensuring your family’s safety to navigating your insurance claim.

First steps after the fire

Ensure Everyone is Safe

Your top priority is the safety of everyone involved. Once out of harm’s way, check on all family members and pets. Avoid re-entering your home until emergency personnel confirm it’s safe to do so.

Call 911

Even if the fire appears to be extinguished, emergency responders must assess the scene to prevent flare-ups and check for hidden dangers such as gas leaks or structural damage.

Find Temporary Housing

Whether it’s staying with friends, family, or using emergency services, ensure you have a safe and comfortable place to stay. Your insurance may also help cover the cost of temporary accommodations — more on that below.

Contact your insurance company

Report The Claim

Contact your insurance provider as soon as possible. The sooner you file your claim, the sooner they can help you with the next steps towards recovering from the damage. 

Document The Damage

Take clear photos and videos of all visible damage — including the structure, personal belongings, and any valuable or sentimental items. This documentation is vital for your claim.

Review Your Policy

Take time to understand what’s covered under your policy. Look at:

  • Coverage limits
  • Exclusions (e.g. certain types of personal property or events)
  • Deductibles

If you are unsure, your insurance broker can walk you through the details.

Work With The Claims Adjuster

An adjuster will be assigned to assess the extent of the damage. They will guide you through the compensation process and answer any questions you may have about your coverage and claim.

What does home insurance typically cover after a fire?

Fire damage is one of the most common and severe home insurance claims. Here’s what may be included in your policy:

Structural Damage

Repairs or rebuilding of your home’s structure, including walls, roof, and attached structures like a garage.

Personal belongings

Coverage for damaged or destroyed furniture, electronics, clothing, appliances, and other household items — up to the policy limit.

Additional Living Expenses

Also known as loss of use coverage, this helps pay for temporary accommodations, meals, and other increased living costs while your home is being repaired.

Liability Coverage

If the fire damages a neighbour’s property or someone is injured on your property, liability coverage may help cover legal fees or medical bills.

Note: Limits and exclusions vary by policy. Always consult with your insurance broker to ensure you are fully covered.

Experiencing a house fire is traumatic — but you don’t have to face the aftermath alone. Taking quick action, documenting everything, and connecting with your insurance broker will help you start the recovery process smoothly.

If you are unsure about what your home insurance currently covers or want to ensure you are protected against future risks, reach out to a PrimeService Broker today. We are here to support you every step of the way.

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