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Global Public Adjusters

How To you File a Homeowners Insurance Claim After a Fire

How To you File a Homeowners Insurance Claim After a Fire


Once the adjuster has submitted an estimate, you’ll need to gather documentation to support the claim. This would include photos of the damage, receipts for any repairs or replacements, and a police report if the fire was caused by arson. Also keep track of your expenses related to the fire, such as hotel stays, food, and transportation. Those costs can also be reimbursed if you have to live in temporary housing while your home is repaired or rebuilt.

  • Contact Global Public Adjusters as soon as possible after the fire.
  • Provide us with as much detail as possible about the situation.
  • Make a list of all damaged or destroyed items, including the amount you paid for them and any receipts you have.
  • Keep track of all expenses associated with the fire, such as temporary housing, repairs, and replacement costs.


If you’ve contacted us, the undernoted are quick tips:

  1. Make sure you talk to us before speaking with your insurance company.
  2. We will deal with your insurance company as a representative and deal with the claim.
  3. Have the following information ready: policy number, contact information, a detailed list of what was lost in the fire, and receipts for any expenses related to the fire.
  4. Cooperate with your insurance adjuster and provide whatever documentation is requested.
  5. Be patient; the process can take some time.


Be specific about what was lost or damaged. Don’t just say that your home was “destroyed.” List everything from the roof to the floors to the furniture. If you have any receipts or photos of your belongings, include them with your claim.


Following your contact with the insurance company or adjuster:

  • Gather all documentation related to the fire. This includes police reports, photographs of the damage, insurance policies, and anything related to the fire.
  • We will help you verify what’s covered in your policy and know the details of your coverage.
  • We will submit your claim to the insurance company. 
  • We will walk you through the entire claim from reimbursement to storage and more

After we file an insurance claim in Florida, you may be wondering what to expect. Typically, your insurance company has 90 days to notify you whether they have accepted or denied your claim. If they approve your claim, they can pay you within 20 days. If the insurance company does not pay your approved claim within this timeframe, the payout will accrue an interest rate of 12% per year.

Keep in mind that the larger the claim, the more likely your provider is to use the whole three-month limit, so they have as much time as possible to find ways to reduce your payout. You may be the victim of bad faith insurance practices if denied a claim for no apparent reason.

If you have any questions/concerns about your insurance claim or what to expect after filing it, contact an attorney specializing in insurance law. Be patient. The insurance company will review your claim and may ask for additional information. Don’t be afraid to follow up with them if you don’t hear anything for a while.