51�Թ�

Deputy Assistant Chief Officer Kenny Barbour said: "Wildfires have the potential to burn for days, as we've seen this week in Dumfries and Galloway, and they spread through vast areas of land in our countryside, which is devastating for those who live nearby."

Start a recovery diary and take detailed notes on whom you talked to and when, the numbers you called and what was said, said Annie Barbour, a coordinator for United Policyholders, a nonprofit insurance and consumer rights advocacy group.

Carefully inventory all of your damaged and destroyed property, Barbour said.

“You want that paper trail: ‘I talked to you on this date, this is what I heard you say,’” Barbour said.

If the adjuster makes you a settlement offer on the spot, Barbour advised getting a second opinion from an experienced construction professional and to review your policy carefully before accepting.