Take detailed photographs and videos of the damage from different angles, and create a comprehensive inventory of damaged or stolen items, including their value and purchase dates. This helps in providing solid evidence to support your claim
Notify your insurance company as soon as possible after the incident. Delaying can complicate or even lead to the denial of your claim. Timely reporting demonstrates your commitment to resolving the issue efficiently
Challenge denials as statistics show that a significant percentage of those who do manage to overturn the decision
Insurance adjusters, mitigation contractors, and building inspectors can offer valuable assistance in navigating the claims process, ensuring that every detail is properly addressed
Immediate reporting is crucial. Most policies require timely reporting of property damage. Delaying can lead to additional damages for which you might be held responsible
Ensure repairs are done by specialists who are experts in their field to avoid subpar work that might not fully address the extent of the damage
For valuable items like jewelry, art, and collectibles, ensure you have adequate coverage and keep detailed records, including receipts and photos, to prove their value
Secure your property from further damage by making safe, temporary repairs. Keep receipts for these repairs as they may be reimbursable under your policy
Know what your insurance policy covers and prepare by having a clear understanding of the house value, coverage minimums, and any exclusions. This knowledge will be invaluable when filing a claim
If the payout offered by the insurance company seems too low, don't hesitate to negotiate. Sometimes, insurance companies may offer a lower amount initially, expecting some negotiation