House fire, I have replacement insurance

I am sorry to hear about the loss of your rental home.  If you have not already done so, you need to notify your insurance company immediately of your loss.   You should consult your insurance policy. It will have information on how to report your loss.   After the loss has been reported, the insurance company should contact you.  They will likely want additional information from you to determine the cause of the fire, etc.  They also may want to take an Examination Under Oath of you and possibly of others who were living in the home.   Soon after you report the loss, they also should send someone out to appraise the damage.   You should consult your policy regarding the specifics of the replacement value.  They differ from policy to policy, however, most likely you will have a certain amount of time to request replacement value.  Sometimes its a few months or up to a year.   Essentially it means that if you replace certain items and keep the receipts and request reimbursement for them within the time period, they will pay a certain amount of said replacement items.  Finally, consult your policy to see if you have coverage for Debris Removal.  If so, make a demand for that as well regarding the clearing of your lot.   It is very important that you read your policy from front to back and understand it. If you don't have a full copy of your policy, you can request one from your insurance company and I recommend you request a certified copy.   Best of luck. NOTE: This response is general in nature and should not be considered legal advice.  No attorney-client relationship exists or is formed as a result of this response.