Building
Walls, ceilings, cabinets and other affected materials.
Claims We HandleFire
Fire
Look beyond the burn.
The visible burn area may be only part of a fire loss. Heat, firefighting water, belongings, and displacement also need attention.
20+ YearsInsurance Claims
Experience
Experience
Multi-StateRepresentation
$50 Million+Recovered
No RecoveryNo Fee
Understand your claim
A fire affects more than one room.
A clear fire claim follows the loss through the building, the belongings, and the disruption to everyday life. Keep those parts of the record together, even when different specialists inspect them.
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See the whole claim
Three parts of a clear record.
Belongings
Room-by-room records of furniture, clothing and household items.
Displacement
Receipts and dates for temporary living arrangements.
Start here
Your next steps.
- 1
Wait for clearance
Follow the fire department’s instructions before returning.
- 2
Capture the condition
Photograph each affected area before cleanup when access is safe.
- 3
Build an inventory
Record item descriptions, photos, purchase records and estimates.
- 4
Keep a claim file
Save the incident report, correspondence and expense receipts.
Build a clear record
What should you document?
Fire-department reports and photos after safe access is allowed
Affected building materials, belongings, and emergency work
Receipts for qualifying temporary living or operating expenses
Protect people first and follow emergency instructions. Coverage, exclusions, deductibles, duties, and deadlines depend on the policy and applicable rules. A loss does not automatically establish coverage.
How UCAG helps
The policy. The damage. The documentation.
UCAG reviews the available policy and claim records, documents the reported loss, and helps policyholders understand disputed scope and payment questions. A review can address a new, denied, underpaid, delayed, or closed claim.
Look up claim terms → · Compare roofing types → · Browse all claims →
Preparedness & prevention
Keep everyday heat from becoming a fire.
Small habits around flames, cooking and heating can reduce common ignition risks.
Keep flames clear of drapes
Keep candles and other open flames away from curtains, bedding and anything that can burn. Candles need at least 12 inches of clearance; flameless candles avoid the open flame.
Stay with the stove
Remain in the kitchen when frying, grilling or broiling. Keep towels, packaging and other combustibles away from burners.
Give heaters space
Keep portable heaters at least 3 feet from things that can burn. Turn them off when leaving the room or going to sleep.
Prepare an escape
Test smoke alarms monthly and practice getting everyone outside to a meeting place. Keep exit paths clear.
If a fire starts, get out, stay out and call 911 from a safe location. Do not delay escape to protect property.
Safety guidance & further reading
Straightforward answers
Common questions.
Should I throw everything away?
Photograph and list affected items before disposal when it is safe to do so. Ask your insurer and restoration professionals what needs inspection or documentation; do not keep hazardous items just for a claim.
Does smoke belong in the fire claim?
Record smoke and soot wherever they are found, including areas away from the burn. Their relationship to the event and the necessary work should be evaluated, not assumed.
What should I bring to a claim review?
Your policy, insurer letters and estimate, fire report if available, photos, inventories and receipts provide a useful starting point.
Further reading: U.S. Fire Administration: After a Fire. State-specific guidance applies in its stated jurisdiction. Your policy and circumstances determine coverage.
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Unless We Win.
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We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
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Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012