How do I report a fire if I am not the property owner?
If you are not the property owner of a structure that has experienced a fire, you are still able to report the incident and file a claim. In California, in order to file a fire insurance claim your fire must be reported to the local fire department within a reasonable amount of time. Afterward, contact your insurance company and provide them with the details of the incident. The insurance company will require you to provide them with the fire report, that can obtained from the local fire department. In addition to this you will have to complete an insurance claim form. If you are unable to complete the form by yourself, you can contact a fire loss specialist or public adjuster that will represent you and guide you through the process of filing the claim. If you do not want to hire one, you can contact a lawyer for advice as to how to file the claim and what statutes and regulations you may need to be aware of. When filing your fire insurance claim, you will be required to provide evidence supporting the losses you have experienced. This can be in the form of photos, videos, receipts, or inventories of items destroyed in the fire. Overall, reporting a fire and filing a claim if you are not the property owner can be a bit more complex. However, following the instructions outlined here and consulting with a specialist or lawyer if needed, you should be able to successfully submit a fire insurance claim.
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