The fire happened, the fire department arrived and put out the flames but the effects of a fire can take a long time for people to deal with. While we come to help our residents and visitors at the height of the emergency, we're also focussed on how they will recover. Whether it is the family home or a local business, it is important to work together to help everyone heal from this very devastating event. The Gravenhurst Volunteer Fire Department provides valuable information and contacts to help you cope after a fire. We work closely with Muskoka Victim Services and The Salvation Army to ensure that victims receive the care and support they need.
Provided here are some basics on what to do after a fire as well as a list of support services in and around the community that can be of assistance to you.
Take Care of Yourself and Your Family - Be sensitive to the reactions of your children. If your home is unlivable, stay with family or friends. If you cannot find a place to stay, consult with your insurance company or let the fire department connect you with Muskoka Victim Services or the Salvation Army. Before you leave your home take important legal documents, identification, vital medical information, credit cards, cheque books and other valuables with you.
Notify Your Insurance Company - Your insurance policy is a contract between you and the insurer, Your insurance adjuster may be of assistance with making immediate repairs or help in securing your home.
Protect Your Property - You need to protect the property from further damage by making reasonable repairs such as covering holes in the roof or walls. Take reasonable precautions against any further loss as your insurer can refuse to pay for losses that ocurr from not taking reasonable care.
Make an Inventory - List all damaged property showing in detail the quantity, description, what you paid for the items and how long you have owned the items, the amount of damage sustained and how much it will cost to replace the items. Your insurance adjuster should have some inventory forms for you.
Submit a Formal Statement of Loss - Submit a formal statement with your insurer within their specified time limit (usually 30 or 60 days). This should include such items as: Casue of the loss, names and addresses of those with interests in the property, building plans, detailed estimate for repairs, a list of damaged items and any receipts for additional living expenses and loss of use.
Notify Your Mortgage Company - Let them know of the fire and keep them informed of what is going on to restore the property. They own a portion of the building and are interested in seeing their investment handled properly.