House burned down - what to expect next

[David K.]

My investment property had a fire and burned down... To be more exact, only half of the house caught fire and the other half got the water and smoke damage from the firemen and all that.

The place is uninhabitable; tenants were not home when it happened thankfully and moved out the next morning.

Now, I am awaiting for the adjuster to assess the damages. It has been 3 weeks but they keep saying that it is a fire /frozen pipes season and takes up to a month.

I bought the house for cash 54k back in Nov 2017 so do not have any recurring payments on the house right now other than taxes/ins.

I am looking for someone who has gone through a similar experience and to give me some heads up what to expect.

My insurance is, I guess, very straight forward type of a deal - 94 replacement cost, 8k rental loss.

What can I expect now?

thanks!