For Homeowners
Fire Claim Playbook
A fire claim is the biggest, most complex claim a homeowner will ever file — your home, everything in it, and where you live while it's rebuilt, all at once. This playbook walks you through each piece.
The Problem: Three Claims in One, and Nobody Explains Any of Them
A fire claim isn't one claim. It's your dwelling, your personal property, and your additional living expenses — each with its own rules, its own adjuster focus, and its own ways to leave money on the table.
On top of that comes the cause-and-origin investigation, the contents inventory (every item you owned, listed and priced), and months of temporary living costs to track and justify.
The Fire Claim Playbook breaks it into manageable pieces — what each coverage does, what documentation each one needs, and the order to tackle them in.
What's Inside
26 pages of plain-English guidance. Here's what's inside:
- What's covered: A, B, C, D — dwelling, other structures, personal property, and loss of use, in plain English.
- The contents inventory — how to build a room-by-room list without losing your mind, plus a template.
- Smoke and soot damage — what's covered, how it's cleaned, and how it's documented.
- The fire investigation — what cause-and-origin looks like and what to expect.
- Additional living expenses (ALE) — what counts, what doesn't, and how to track every dollar.
- Like kind and quality — what the rebuild standard actually means for your home.
- Code upgrades — when ordinance-and-law coverage pays for better-than-before.
- Advance payments — getting money flowing before the final number is settled.
- Contractor selection after fire — what to look for when the job is a full rebuild.
- Timeline — the realistic stages of a fire claim, from first call to final payment.
Is This For You?
This is for you if…
- You've had a fire and don't know where to start with the claim
- The contents inventory feels overwhelming and you need a system
- You're paying out of pocket for temporary housing and want to know what's reimbursable
- You want to understand the investigation process before it happens
This is NOT for you if…
- Your loss is smoke-only from a neighbor's fire (much of this still applies, but it's written for direct fire losses)
- You're looking for legal advice about your specific situation
- You expect a guaranteed payout — no guide can promise claim outcomes
Quick Answers
Does homeowners insurance cover hotel and food after a fire?
Usually, yes — that's Additional Living Expenses (ALE), typically capped at a percentage of your dwelling coverage. Keep every receipt; this guide includes an expense tracker.
How detailed does the contents inventory have to be?
Very. Carriers expect a room-by-room list with descriptions, ages, and values. The guide gives you a system and a template so it doesn't take months.
How do I receive it?
Instantly. After checkout you'll land on a download page with your PDF. PDF format — reads on any phone, tablet, or computer, and prints cleanly.
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Fire Claim Playbook
26 pages · PDF · Instant download
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PDF + Audiobook — $37 (MP3 audiobook delivered by email)
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