Did you know at least seventy-four percent of apartment fires are caused by cooking? An apartment fire can leave you without a house to return to.
This is why it’s so important to remember to contact your landlord right away. Contacting your landlord should be your priority after an apartment fire.
We’ll tell you all about hiring a rental insurance agent. And help you conquer an apartment complex fire and so much more. Keep reading to find what steps you should take after an apartment fire.
1. Call Your Landlord
The first step after an apartment fire is to call your landlord. Your landlord’s insurance policy might cover structural damage alone. It’s in your best interest to buy renters insurance before renting an apartment.
A renters insurance policy may protect your personal belongings in case of a fire. Without renters insurance, you may not get compensation for lost belongings.
2. Keep Track of Your Affairs
With renter’s insurance, call your insurance agent. Once safe, check out what’s left of your apartment. Pick up important documents that haven’t disappeared during the fire.
Make a list of what’s you’ve lost so you can replace them later. Keeping this list will also help you when you contact your insurance adjustor. Call your respective financial institutions to replace your credit and debit cards.
3. Take Care of Yourself
An apartment fire may be stressful for you. It’ll interrupt your life and routine… so put yourself first.
Finding a nonpermanent place to live may be tricky, depending on where you live. If you don’t have friends or family in the area, contact the American Cross foundation. Organizations like local churches or shelters may help you find short-term housing.
Some state laws need your landlord to restore your apartment. In the state of California, your landlord must make your apartment liveable again.
This includes re-installing a working electrical system, heating, and so much more. The right rental insurance agent will help you discuss the details.
4. Renters Insurance
Life is full of unplanned situations… but don’t let unexpected accidents leave you high and dry. Get renters insurance today and prepare in advance. You never expect an apartment fire until it’s too late, so it’s best to stay prepared.
There are a few things to look for in an insurance policy:
- Coverage limits
- Deductible
- Scope of policy
These are a few things you should double-check in an insurance policy. These factors depend on where you live and the type of building you live in.
What to Do After an Apartment Fire
An apartment fire may leave you feeling overwhelmed or exhausted. But you don’t have to suffer alone. Make sure you have renters insurance before the worst happens.
With renters insurance, you may be able to save some of your belongings. But, what you can’t salvage, take notes… so you can replace it later.
Working with the right rental insurance agent will help you recover from an apartment fire. To learn more about what to do after an apartment fire, visit our website.
