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Posts: 2
Reply with quote  #1 
I have a 3600 sq ft newly remodeled house which was rented. Yesterday a fire started in the basement. Fire department broke the windows and controlled the fire. The whole finished basement is ruined plus smoke and soot all over the house. The furnace, water heater etc have a black soot over them. They obviously shut all the utilities. I got the windows boarded and renters had to leave the house.
My insurance is state farm and covers $25k belonging coverage, actual rent loss, and repair. Can anyone give me some pointers as to how to get the process started and how to access the actual damage? I have contacted state farm and they said someone will get back soon to explain me coverage and further POA. I had a lot of good quality furniture in the house. Good thing is no one got hurt. But everything else is a mess.

Posts: 477
Reply with quote  #2 
We are talking about your personal belongings, correct? Not the renter's? 

If it were me, I would start itemizing what all was there (appliance/item, value, etc.) and have as much of that type of information together as possible.

Do you have a copy of the renter's certificate of insurance for renters insurance? Do you know yet what caused the fire? If it was their fault, you will probably need to get their insurance company involved (although I am sure State Farm will let you know this).

Posts: 232
Reply with quote  #3 

First claim your homeowners insurance. 

Hunter Rentals & Property Management

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