When you have just been hit by a natural disaster there are several steps to take in order to be able to claim benefits from you your insurance. You have to report the loss immediately to your carrier’s claims department. In the event that you are unable to locate your insurance policy you can always do so by calling your state’s insurance department. Initial reporting of a claim can also be done by emailing your insurance career at the corresponding email address provided, a phone call can also be effective.
In supporting the filing of your claim, record all the damages incurred with supporting photographs and video footage if possible. To achieve the best result possible, it best to prepare a room by room inventory of all the missing and damaged goods in your home and or property. Be sure to include specific information such as manufacturers’ names, the dates, serial numbers if you have them and the prices and receipts.
What should I do immediately following the storm?
After a storm has damaged your property, do not return to your building until you have been advised that it is safe to do so. You have to document your losses in great detail with supporting pictures of all the structural damages and losses that have occurred along with another list of items that have either been broken or destroyed.
When Can I Start Repairs?
You can begin making temporary repairs once you have been cleared to do so by your adjuster. Some of these repairs include boarding up broken windows, covering walls and roofs to prevent further damages to the property. Make certain that you keep all receipts as proof of all storm-related expenditures you have made on temporary repairs.
What Estimates Can I get on Major Repairs?It in your best interest to obtain detailed estimates from different reliable contractors and compare based on pricing and reputation.
How much time do I have to file a claim?
It is best to pursue your claim immediately after a disaster has occurred. Since most insurance policies can be difficult for a layperson to understand, you may need to contact an insurance lawyer to explain the provisions stated out in your policy. In the event that you have already submitted claim before speaking to a lawyer, he or she can still advise you about certain situations that may come up in the processing of your claim