How do I know if my insurance will cover the damages?
Depending on the type of damage and the type of insurance you have, you will need to speak with your insurance agency to find out if you have coverage.
What do I do if I have fire damage?
Remove pets, especially birds, and plants to a clean environment. Remember to change the fish tank water. Refrain from sitting on or placing anything on furniture, and limit foot traffic on carpeting until professionally cleaned. Do not attempt to clean walls, ceilings, unfinished wood, or other absorbent surfaces. Do not launder or dryclean garments that smell smoky. May cause smoke to stain or odour to set in. Turn off all electronic items and do not use again until they have been cleaned. If electricity is off, empty freezer and refrigerators, and prop the doors open with a rolled up towel or newspaper to ventilate. Vacuum or blow off loose smoke particles from upholstery, curtains, lampshades, etc. Do not try to wipe off as the particles may smear. Clean faucets, tub fittings, chrome bars, and trims on kitchen appliances. Can protect items with products, such as WD-40. Pour anti-freeze in toilet bowls, sinks and tubs to prevent freezing if power is out during the winter. If possible, do not operate furnace until ducting is cleaned, change filter immediately if it is necessary to have it on.
What do I do if I have vandalism damage?
Wash off egg from buildings immediately. Blot or lightly scrape spilled food or substances that have been spilled. Remove as much of the broken glass from floor, upholstery, and window ledges. Save broken pieces from furniture or equipment that has been vandalised. Save the containers that will disclose the composition of the paints, inks, cosmetics, or chemicals that have caused the damage. Do not attempt to remove these stains. Do not use electronics or equipment that has been vandalised.