When CAA Insurance receives your claim, you will be assigned a claims adjuster who will help you through the process. They’ll review your claim as quickly as possible and arrange for a home visit to meet with you and inspect your property. The adjuster will confirm the details of your loss, assess the fire damage and determine if temporary accommodations for you, and anyone living in your home with you, are necessary. You will be asked to compile a list of essential documents and possessions that need to be replaced. The amount of your settlement will depend on the specific insurance coverage you have. “Replacement cost” coverage pays the cost of repairing or replacing your damaged items equal to the amount you would need to replace these items with new or similar products. “Actual cash value” coverage pays you for the value of your home and damaged items at the time of the fire, taking into account the original price of the items minus depreciation and the condition that the items were in before the loss.