After the Fire: Recovery
*Note: This information is also available via the Internet at www.usfa.fema.gov
Recovering from a fire can be a physically and mentally draining process.
When fire strikes, lives are suddenly turned around. Often, the hardest part is knowing where to begin and who to contact.
The Federal Emergency Management Agency’s (FEMA)
United States Fire Administration (USFA) has gathered the following information to assist you in this time of need. Action on some of the suggestions will need to be taken immediately. Some actions may be needed in the future while others will be on going. The purpose of this information is to give you the assistance needed to assist you as you begin rebuilding your life.
Securing Yourself and The Site
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n Contact your local disaster relief service, such as the American Red Cross or the Salvation Army, to help with your immediate needs, such as:
>temporary housing
>food
>medicine
>eyeglasses
>clothing
>other essential items
n Contact your insurance agent/company.
Cautions
n Do not enter the damaged site. Fires can rekindle from hidden, smoldering remains.
n Normally, the fire department will see that utilities (water, electricity and natural gas) are either safe to use or are disconnected before they leave the site. Do not attempt to turn on utilities yourself.
n Be watchful for structural damage caused by the fire. Roofs and floors may be damaged and subject to collapse.
n Food, beverages and medicine exposed to heat, smoke, soot and water should not be consumed.
Leaving Your Home
n Contact your local police departments to let them know the site will be unoccupied.
n In some cases it may be necessary to board up openings to discourage trespassers.
n Beginning immediately, save receipts for any money you spend. These receipts are important in showing the insurance company what money you have spent related to your fire loss and also for verifying losses claimed on your income tax.
n If it is safe to do so, try to locate the following items:
> identification, such as driver’s licenses and Social Security cards
> insurance information
> medication information
> eyeglasses,hearing aids or other prosthetic devices
> valuables, such as credit cards, bank books, cash and jewelry
n There are many people/entities that should be notified of your relocation, including:
> your insurance agent/company
> your mortgage company (also inform them of the fire)
> your family and friends
> your employer
> your child’s school
> your post office
> any delivery services
> your fire and police departments
> your utility companies
n Do not throw away any damaged goods until after an inventory is made. All damages are taken into consideration in developing your insurance claim.
n If you are considering contracting for inventory or repair services discuss your plans with your insurance agent/company first.
n Give notice of the loss to the insurance company or the insurer’s agent/company.
n Ask the insurance company what to do about the immediate needs of the dwelling, such as covering doors, windows, and other exposed areas, and pumping out water.
n Ask your insurance agent/company what actions are required of you. Some policyholders may be required to make an inventory of damaged personal property showing in detail the quantity, description and how much you paid for the items.
n Your recovery from a fire loss may be based upon your own resources and help from your community.
n Private organizations that may be sources of aid or information:
> American Red Cross
> Salvation Army
> religious organizations
> department of social services
> civic organizations
> state or municipal emergency services office
> non-profit crisis counseling centers
You will encounter different viewpoints on the value of your property in adjusting your fire loss or in claiming a casualty loss on your federal income tax. Knowing the following terms will help you understand the process used to determine the value of your fire loss:
Your personal valuation: Your personal loss of goods through fire may be difficult to measure. These personal items have SENTIMENTAL VALUE to you; however, it is objective measures of value that you, the insurer, and the Internal Revenue Service will use as a common ground for discussion. Some of these objective measures are discussed below.
Cost when purchased: This is an important element in establishing an item’s final value. Receipts will help verify the cost price.
Fair market value before the fire: This concept is also expressed as ACTUAL CASH VALUE. This is what you could have received for the item if you had sold it the day before the fire. The price would reflect its cost at purchase minus the wear it had sustained since purchase. Depreciation is the formal term used to express the amount of value an item loses over a period of time.
Value after the fire: This is sometimes called the item’s salvage value.
Restoration Services
There are companies that specialize in the restoration of fire damaged structures. Whether you or your insurer employs this type of service, be clear of who will pay. Be sure to request an estimate of cost for the work. Before any company is hired check their references. These companies provide a range of services that may include some or all of the following:
> securing the site against further damage
> estimating structural damage
> repairing structural damage
> estimating the cost to repair or renew items of personal property
> packing, transportation, and storage of household items
> securing appropriate cleaning or repair subcontractors
> storing repaired items until needed
Replacement Of Valuable Documents And Records
Here’s a check list of documents you will need to replace if they have been destroyed, and who to contact for information on the replacement process.
|
<big>ITEM</big> |
<big>WHO TO CONTACT</big> |
|
Driver’s license, Auto registration |
Department of motor vehicles |
|
Bank books (checking, savings, etc.) |
Your bank, as soon as possible |
|
Insurance policies |
Your insurance agent |
|
Military discharge papers |
Department of Veterans Affairs |
|
Passports |
Passport service |
|
Birth, death and marriage certificates |
Bureau of Recordsin the appropriate state |
|
Divorce papers |
Circuit court where decree was issued |
|
Social Security or Medicare cards |
Local Social Security office |
|
Credit cards |
The issuing companies, as soon as possible |
|
Titles to deeds |
Records department of the localityin which the property is located |
|
Stocks and bonds |
Issuing company or your broker |
|
Wills |
Your lawyer |
|
Medical records |
Your doctor |
|
Warranties |
Issuing company |
|
Income tax records |
The IRS Center where filed or your accountant |
|
Citizenship papers |
U.S. Immigration and Naturalization Service |
|
Prepaid burial contract |
Issuing company |
|
Animal registration papers |
Humane Society |
|
Mortgage papers |
Lending institution |
Professional fire and water damage restoration businesses may be the best source of cleaning and restoring your personal belongings. Companies offering this service can be located in the phone directory.
Clothing
A word of caution before you begin: test garments before using any treatment, and follow the manufacturer’s instructions. Several of the cleaning mixtures described in this section contain the substance Tri-Sodium Phosphate. This substance can be purchased under the generic name TSP. Tri-Sodium Phosphate is a caustic substance used commonly as a cleaning agent.It should be used with care and stored out of reach of children and pets. Wear rubbergloves when using if you have sensitive skin. Read the label for further information.
Smoke odor and soot can sometimes be washed from clothing. The following formula may work for clothing that can be bleached:
> 4 to 6 tbsp. Tri-Sodium Phosphate
> 1 cup household cleaner or chlorine bleach
> 1 gallon warm water
Mix well, add clothes, rinse with clear water. Dry thoroughly.
An effective way to remove mildew from clothing is to wash the fresh stain with soap and warm water, rinse, and then dry in the sun. If the stain has not disappeared, use lemon juice and salt or a diluted solution of household chlorine bleach.
Cooking Utensils
Your pots, pans, flatware, etc., should be washed with soapy water, rinsed and then polished with a fine-powdered cleaner. You can polish copper and brass with special polish, salt sprinkled on a piece of lemon, or salt sprinkled on a cloth saturated with vinegar
Electrical Appliances
Don’t use appliances that have been exposed to water or steam until you have a service representative check them. This is especially true of electrical appliances. In addition, steam can remove the lubricant from some moving parts.
If the fire department turned off your gas or power during the fire, call the electric or gas company to restore these services - do not try to do it yourself.
Food
Wash your canned goods in detergent and water. Do the same for food in jars. If labels come off, be sure you mark the contents on the can or jar with a grease pencil. Do not use canned goods when the cans have bulged or rusted. Do not refreeze frozen food that has thawed.
To remove odor from your refrigerator or freezer, wash the inside with a solution of baking soda and water, or use one cup of vinegar or household ammonia to one gallon of water. Baking soda in an open container or a piece of charcoal can also be placed in the refrigerator or freezer to absorb odor.
Rugs and Carpets
Rugs and carpets should be allowed to dry thoroughly. Throw rugs can be cleaned by beating, sweeping, or vacuuming, and then shampooing. Rugs should be dried as quickly as possible - lay them flat and expose them to a circulation of warm, dry air. A fan turned on the rugs will speed drying. Make sure the rugs are thoroughly dry. Even though the surface seems dry, moisture remaining at the base of the tufts can quickly cause the rug to rot. For information on cleaning and preserving carpets, call your carpet dealer or installer or a qualified carpet cleaning professional.
Leather and Books
Wipe leather goods with a damp cloth, then a dry cloth. Stuff purses and shoes with newspaper to retain shape. Leave suitcases open. Leather goods should be dried away from heat and sun. When leather goods are dry, clean with saddle soap. Rinse leather and suede jackets in cold water and dry away from heat and sun.
Wet books must be taken care of as soon as possible. The best method to save wet books is to freeze them in a vacuum freezer. This special freezer will remove the moisture without damaging the pages.
If there will be a delay in locating such a freezer, then place them in a normal freezer until a vacuum freezer can be located. A local librarian can also be a good resource.
Locks and Hinges