The short answer
Start Your Claim
Call your insurance company as soon as it is safe to do so. Have your policy number and a rough list of what was damaged or destroyed. The representative will guide you through the next steps and tell you what documents they need.
Ask about advance funds for temporary housing and immediate needs like food and clothing. Keep every receipt, because those costs can be part of your claim. If you live in Euless, store your policy documents in a fireproof box or digital folder so you can access them quickly.
Document the Damage
Before any cleanup, take photos and videos of every room and item affected. Show the extent of soot, smoke, and fire damage. Write down a detailed inventory of belongings, including approximate purchase dates and values. This evidence helps your adjuster understand the loss.
Do not throw away damaged items until your insurer tells you to. If you need to discard food or perishables, photograph them first. Keep a log of every conversation with your insurance company, including dates and names of the people you speak with.
- Photograph each room from multiple angles
- List every item with its estimated value
- Save all receipts for temporary expenses
- Note any structural damage you can see
- Keep a record of phone calls and emails
Secure Your Home
After a fire, your home may be unsafe. Board up broken windows and doors to prevent weather and intruders. Turn off gas and electricity if you can do so safely. This protects your property and prevents further damage that could complicate your claim.
Your insurance policy may cover the cost of securing your home, such as tarping a damaged roof or hiring a board-up service. Keep those receipts too. If you are unsure about safety, wait for the fire department or a building inspector to clear the structure.
Work with the Adjuster
Your insurance company will assign an adjuster to inspect the damage. Be present during the inspection if possible. Point out all affected areas and share your inventory list. The adjuster will estimate the cost to repair or replace your property.
If you disagree with the adjuster's assessment, you can provide additional documentation or ask for a re-inspection. You can also hire an independent appraiser, but that decision is yours. The process can take time, so stay patient and keep copies of everything you submit.
Track Your Claim
Follow up with your insurance company regularly to check the status of your claim. Ask for written explanations of any denials or delays. Keep a folder with all correspondence, receipts, and photos. This helps you stay organized and prepared if you need to appeal.
If you have questions about your policy, ask your insurer directly. They are the ones who decide what is covered. For extensive fire damage, you may need to hire a general contractor or restoration professional, but that is separate from your insurance claim.
- Call your insurer weekly for updates
- Request written decisions for everything
- Store all documents in one safe place
- Ask about deadlines for filing paperwork
- Keep a list of questions for your adjuster
Water damage does not wait
Call (817) 799-6732 any time, day or night, and describe what happened.
Call Now (817) 799-6732Frequently asked questions
What should I do immediately after a fire?
First, make sure everyone is safe and call the fire department if you have not. Then contact your insurance company to report the fire. Do not enter the home until officials say it is safe. Start documenting damage with photos and a list of belongings.
How long do I have to file a fire damage claim?
Most policies have a time limit, often one year from the date of the fire, but it can vary. Check your policy or ask your insurer. The sooner you file, the sooner you can begin the process. Delays can make it harder to document the damage accurately.
Does my insurance cover temporary housing?
Many homeowner policies include loss of use coverage, which pays for hotel or rental costs while your home is repaired. This coverage is not automatic, and limits apply. Ask your insurer about your specific policy. Keep receipts for all temporary living expenses.