Advice on what to do after a house fire.
April 9, 2012 8:10 AM Subscribe
My parents' house caught fire yesterday. This kind of thing has never happened to any of us before, and we could use advice on how to move forward.
posted by anonymous to law & government (9 answers total)
Luckily no one was hurt, and we were even able to get all of our animals out safely. After the fire department got everything under control, we were able to salvage some clothes and, amazingly, our computers are all fine.
Somehow only our garage and part of our roof was damaged by the fire itself, but due to smoke and water damage and fireman activity the house is uninhabitable. My folks are staying with my mom's mom, and I and my sister have a place to stay at university roughly 40 minutes away.
During the fire, we were approached by a public or private adjuster, I don't remember which, who said he could act as a middleman between us and our insurance. He said his fee is higher, but he's usually able to settle faster and for more from the insurance than we will be able to. Is it worth employing him? Also, my dad is really worried about some of his mother's heirlooms in the house, and wants to go back and find them, and move them to a temporary storage facility. I know that insurance will want to take a look at things; would he get in trouble for moving things before they are able to look into things?
Any other advice would be welcomed.