Basic Information On Insurance Claims For Property Damages
Your house has been damaged due to falling tree, fire, tornado, and other kinds of calamities. What would be your first step? In what way will you start? After you secure yourself by leaving the house, you need to contact your insurance company. This is when the insurance claim process starts.
In order for the claim to be processed, you need to inform the insurance company. Next is to file all the documents, accomplish the requirements, talk with the adjuster, write down your losses, and arrange the repairs. Aside from that, you will have to pay the insurance deductibles so that you can get your claim. Depending on the damage, this can be difficult to do and it may take too long.
By capturing the pictures and recording it on a video, you will be able to document the damage. Do this immediately. A good example is the hail roof, most especially if the roof is already old. What you need to do is to document everything and do not wait for the hailstone to melt so that you can show to them that your property is damaged. As much as you can, everything should be clear from your property up to your personal belongings. You should also include documenting the damage in the entire community.
During this time you may be tempted to throw those damaged items but only do this when the items are dangerous. Be sure to take pictures first when you need to throw the things away. You can also cut some fabric of the furniture to prove that it was made of expensive fabric and not the cheap one.
When you assume to get insurance claims, you need to collect all of your proofs like the documents, images, and videos. You will have to show this to your adjuster so that you can prove your loses. When in case you didn’t, you have to check your credit card or bank account statement and receipts to show to them the prices when you bought those items.
You may use a notebook to write down the cost of the damage and do this in each room. Check carefully so that you won’t fail to notice anything. You can do this in clockwise direction, checking from top to bottom and left to right. With this system, you must visit the room and survey everything.
For example, you should go to the room and check starting the ceiling and the wall. Survey for any damages on the ceiling, wall, and the floor. If you are already finished from the first wall, you should go to the next. Use another paper to attached your pictures of those items.
The adjuster of your insurance company will be the one to check the damages. Make sure that what you have written on your notebook will be seen by the adjuster. Even if checking the damages is a hard time, it is worth it.
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