Heating system fire in Vermont - winter emergency claim

Our wood stove caused a chimney fire that spread to the roof. In the middle of January. Vermont winter emergency claims are different because you NEED heat.

What helped: 1) Insurance paid for emergency temporary heating immediately under loss mitigation. 2) ALE kicked in fast because habitation without heat is impossible here. 3) We documented the chimney cleaning records proving maintenance. 4) Vermont requires insurers to pay undisputed amounts within 30 days - cite this if theyre slow.