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Insurance Claim Tips

Most homeowners have no idea how to file for an insurance claim, even when it is something as simple as a fire damage claim. Without understanding your insurance policy, and the various types of fire and smoke damage that are covered under your policy can cost you your home, wipe out your savings and set you back financially by several years. Public claims adjusters are the experts in this field. Here are some tips from the pros…

Keep a Detailed Inventory: In order for your insurance company to properly compensate you for the damage done to your home, you’ll need to provide a list of all the items in your home, especially the most valuable ones. You should also include an estimate of how much the items cost if you don’t know the exact price. And these days, you can even take pictures of your household goods or shoot a video of them, which will provide even more proof for the insurance company.

Track the Damage and Make Small Repairs: Document all the destruction that occurred in your home due to an incident that is covered by your insurance policy, such as a natural disaster or fire damage. Take pictures of the damage done to your home as soon as you can, so that the insurance company can compare these photos with the ones taken of your home before the disaster to determine how much you are owed. Repair any small damages right away so they don’t make the condition of your home worse. For instance, if there are holes in your roof, seal them quickly to prevent further leakage and water damage. However, take pictures of the roof before you make the repairs, and don’t discard any furniture or household item that have been damaged until the insurance adjuster has seen them.

Get Ready to Negotiate: Even though you’re covered by home insurance, prepare to negotiate with your provider if you feel that your payout is too low.

After the insurance company’s adjuster looks at the damage done to your home, they will offer their price. If the amount is not acceptable, ask to see the contract so you can justify the amount. You can also take the contract to a few contractors and get their opinions about whether you are receiving a fair payout. But usually, you’ll be able to work out a fair price with your insurance adjuster so that you can begin the work of rebuilding your home or moving to a new place.

These are just a few helpful tips that will help you settle a home insurance claim quickly and effectively. But if you need help during any part of this complicated and intimidating process make sure to call Reliable Claims Adjusting. We are your advocate throughout the claims process. Contact us today!