What type of evidence do I need to support my fire insurance claim?

When filing a fire insurance claim in California, it is important to understand the type of evidence you need to support your claim. Evidence that could be useful to support your claim includes fire or police reports, witness accounts, photos or videos of the property before and after the fire, and any inventory or photographs of the items that were damaged or destroyed. If available, you should provide your insurance company with written or verbal statements from witnesses who saw the fire happen, or who can speak to the items that were lost. In addition, you’ll need to provide bills, tax returns, and other financial records that will prove the value of lost or damaged possessions. Insurance companies may also request a copy of your deed, deed of trust, or title to the property, as well as any other documents that can back up your claim. Depending on the complexity of the damage, you may also be asked to provide an inventory of items lost or damaged in the fire. This could include an item-by-item list of all your possessions, as well as their estimated value at the time of the fire. Finally, you should be prepared to provide any estimates or repair quotes from service providers. This evidence can also help your insurance company assess the damage and make a fair determination about your claim.

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