Everything You Need To Know About Making A Claim After A Storm

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Storm damage is one of the liabilities that homeowner's insurance should always cover. The policies in the market state that they will cover the damages caused by a storm. However, the terms and conditions of filing each claim depend on the insurer. It is advisable to consult with a storm claim specialist about the claim process and ensure the damage qualifies for repayment under the policy. Here is everything you need to know about making claims after storm damage. 

After the Disaster

The steps you make following a disaster determine the speed and efficiency of the recovery process. Start by making the initial and temporary repairs you need for your property to become habitable again. If the house gets damaged beyond repair, remove all personal items. Take photos of the damage if you cannot secure the home. Never dispose of a property before the insurance adjuster has reviewed it and determined how you should get compensation. The insurer should reimburse you the amount it will take to store your property as you await the restoration of your property. Finally, keep a record of all the receipts you use to pay for accommodation because the insurer should also reimburse you for the alternative accommodation. 

Reporting the Claim

The second step needs you to be keen on timelines. Most insurance companies have a time within which you should file the claim. You can start the process immediately you locate the policy and the inventory. Visiting the insurer or getting in touch with their mobile claims office is one of the best ways to get started with the process. The insurer will ask you to list all the items damaged during the storm, and you have to ensure that you have all of them. 

The Importance of Caution

Caution is also crucial when making your claim. Before giving a contractor the responsibility to manage your repairs, check and ensure they have the recommended certification. Ensure you get a handwritten estimate for the repairs before they start because it will be evidence while filing the claim. Also, instead of paying the contractor the entire amount upfront, pay a percentage of the fee and clear the balance once you have finished the process. Finally, contact the adjuster immediately if the contractor finds hidden damages the initial assessment records do not have.

Filing a claim is a process that needs you to follow due process. Research well before starting the claims process, and follow the recommended procedure by your insurer for an easy settlement. Remember to work with a reliable claim specialist to guide you and expedite the claim process.