The first 24-48 hours after a fire are critical for both your safety and your insurance claim. Taking the right steps immediately can prevent additional damage and protect your claim rights.

Immediate Safety First

• Stay out until fire officials declare the property safe

• Document the scene with photos from outside the property

• Contact your insurance company within 24 hours to report the loss

• Secure the property to prevent theft or weather damage

Protecting Your Claim

What TO Do:

• Take extensive photos and videos of all damage

• Keep all receipts for emergency expenses (hotel, meals, clothing)

• Make a detailed list of damaged items while memory is fresh

• Contact a public adjuster before signing anything with your insurance company

What NOT to Do:

• Don't throw away damaged items without photographing them

• Don't start cleanup or repairs without approval

• Don't give recorded statements without representation

• Don't accept the first settlement offer

Critical Documentation

Start collecting:

• Fire department reports and incident numbers

• Utility company notifications about service disconnections

• Contractor estimates for emergency stabilization

• Business interruption records if applicable

The Insurance Process Begins

Your insurance company will assign an adjuster within days. Remember: they work for the insurance company, not for you. Consider engaging Cornerstone Public Adjusting, Tennessee's trusted property owner advocates, who represent your interests exclusively.

Professional Help Matters

Fire claims involve complex coverage issues, smoke damage assessment, and business interruption calculations. Professional representation from Cornerstone Public Adjusting ensures Tennessee, Mississippi, Kentucky, and Indiana property owners receive fair claim valuations for their losses, allowing them to rebuild.

The bottom line: The steps you take immediately after a fire significantly impact your claim outcome. Get professional guidance early.