If you have a major disaster that prompted you to file a home insurance claim, then it is essential to know what steps to follow. Following the right steps and knowing the best way to handle home insurance claims following a storm can mean faster response times with the insurance company and a much easier claims process all around.
Understand Your Policy
There are more than a few provisions commonly set out in a home insurance policy. It is up to you as the homeowner to look into what those provisions are, so you know precisely what is and isn't covered by your home insurance policy. You will also find that good communication with the insurance company is also helpful and can move the process along as well.
Call the Insurance Company
The first step following a storm is to call the insurance company. You don't want to hesitate to do this because it can delay the entire process. You need to talk to them about the damage and the storm and see what they can offer compensation for and what deductible you will need to expect.
If you fail to contact your insurance company, there is also the possibility that you can nullify your entire policy. Some policies include a clause in which you agree to advise them of any change in liability or risk.
Since things will be hectic following the damage, other steps need to be followed immediately after contacting the insurance company to minimize any additional risk. Do what you can to prevent any further loss from happening, salvage what you can, and take photographic or video evidence of the damage as soon as you can. This provides you and your insurance company with additional proof of loss to help with your claim.
You also want to refrain from throwing anything away. The insurance company is going to want to see everything that you want to be compensated for. So, you can move items out of the way but do not throw anything into the garbage.
If there are any immediate expenses you need to cover, and you want compensation, make sure to keep all the receipts and document everything. Some emergency expenses can be reimbursed. However, non-emergency repairs and work can only continue with the approval of your insurance company.
You also need to prove your losses. The insurance company may ask for an item description, what room the item was located in, the cost at the time of purchase, and the condition of the item. They may then inquire if you have receipts for any of the items and possible replacement costs for those items. Having a home inventory is also always helpful and something to consider for the future.
If you don't have any receipts, you must do some research to determine the value of the items so you can file your claim. Check retail websites and search for comparable items to get as close to the value as possible.
It is essential to file your claim along with all your proof and other documentation as soon as possible to get your claim started. For more information on the claims process and what you need to file for your home insurance coverage, contact the experts at Panorama today.