When you file an insurance claim for home damages due to weather-related events, ensure a smooth and fair claims process by following these steps:
Document the Damage with Photos: Start by thoroughly documenting all the damage. Capture clear photographs of each affected area or item. These photos are crucial evidence for your claim and assist the adjuster in accurately assessing the damage.
Create a Detailed Damage List: Make a comprehensive list of everything damaged that you observe. This list aids the adjuster in reviewing your claim. Include detailed information, such as the damage’s location and nature.
Consider Hiring a Contractor in Advance: Sometimes, hiring a contractor before the adjuster’s visit can be beneficial. A knowledgeable contractor can offer valuable insights and may negotiate with the adjuster on-site for a quicker settlement.
Don’t Dispose of Damaged Property: If a mitigation contractor is addressing immediate concerns, avoid disposing of damaged items before the adjuster’s inspection. The adjuster needs to examine these items to decide on repair or replacement. Disposing of them prematurely might result in a lower settlement, as the adjuster often needs to assess the damage personally.
Preserve Samples of Materials: Keep significant samples of damaged materials, such as shingles, hardwood, or any discontinued material. If a material is discontinued, the insurance company might require a full replacement instead of a partial one. Having samples available allows the adjuster to make informed decisions about replacement options.
Adhering to these practices when filing an insurance claim ensures a fair and comprehensive evaluation of your claim for weather-related home damages. Documenting, listing, and preserving evidence are key to a successful claim resolution.