How Does Homeowners Insurance Work After A Fire? 
If your home is burned , your need to file a claim . Most companies provide a toll free number . If you suspect arson you must notify the police . You must provide police and company with any relevant witnesses . You must then cooperate with your insurance company . The company will arrange temporary living conditions if your property can not be used . You must make sure that your house is secured against further loss . You must provide the insurance company with a list of items which were lost , normally within 60 days . The company has the right to get plans and specifications from you and other details concerning the loss . Photographs of the building and contents become invaluable under these circumstances . The adjuster will then work with contractors to repair the damage to the residence and will make an estimate of the actual cash value of the personal property . There objectives will be to get you back into your home as quickly as possible . 