So what’s next? You’ve filed your home insurance claim and now you’re left wondering what else you should do. Your hope is that you can get your home back to pre-loss condition as quickly as possible. To make that happen there are things you can do keep the process running smoothly. We’re here to offer some helpful tips to keep you on the right track.
Make Needed Repairs
- It is your responsibility to take the necessary steps to prevent further damage to your property. Keep all receipts for anything spent to make repairs. If you are forced to live outside your home due to damage, keep a record of all lodging and food expenses. All of these receipts can be turned in for reimbursement.
- Do not put in money to do extensive repairs or hire a contractor for temporary repairs until your insurance adjuster has made a visit and assessed the damage.
- You must take photos and document all damage prior to making repairs, even temporary ones. Get permission from the insurance company before proceeding with major cleanup or repairs.
- Keep good notes on any phone calls or communication with the insurance company or adjuster. Write down dates, times, and with whom you spoke. If there are any problems along the way, these notes may prove to be invaluable.
- Be prepared with a home inventory so that all damages are properly documented. Having your inventory up to date and ready will also speed up the claims process and make it much easier.
- Keep all receipts from repairs. In the case of having to leave your home, document any additional living expenses. These receipts will be turned over so that you receive proper reimbursement on the total cost of your claim.
Dealing with the Adjuster
- Once a claim is filed an adjuster will be assigned to your claim. They are there to survey damages and provide estimates for repair costs. It is a very detailed visit and being prepared for the adjuster will help to keep the claims process moving.
- Claims adjusters are typically very busy with hundreds of claims to handle. Be sure to stay in contact with your adjuster. It will help them to know you mean business and are looking to settle your claim quickly and efficiently.
- If you are considering hiring a public adjuster, be sure to do your research to keep yourself protected.
- You can cut back on some wait time by having all the required forms that need to be filled out emailed to you. Mail time can cause delays. Stay in contact with your insurance company throughout the process, and be sure to get all paperwork in on time. If you have questions, talk to your agent or the insurance company directly.
- After your adjuster has visited you can start making phone calls for replacement costs and repair estimates. Contractors can be very busy, especially if there is widespread damage in your area. Appointments may be weeks out, so make them as quickly as possible. Once estimates come in, relay this information to your insurance company. Communication will help to keep things running smoothly.
- Most states have in place a fair claims law that requires fair and reasonable handling of all insurance claims. However, there is no rule in place that estimates how long your claim may take. Claim times vary due to the nature of what repairs are needed, the amount of damage incurred, or whether a natural disaster was involved with a high volume of other claims involved.
- If you feel you are following all of our recommendations and that your claim is being stalled, your insurance company may be in violation of the above-stated laws. It may become necessary to involve a skilled attorney for assistance. Consultations are typically free, and an attorney who is familiar with the laws in your state and insurance policy language should be able to help you get fair compensation quickly.
- The way your insurance chooses to pay out your settlement may vary. Knowing what to expect and how to handle your insurance check is important.
- If you choose to make any changes to your home during the rebuilding process be sure you know the expectations and extra costs associated with that decision.
For some families, it may take a long time to see the end of repairs and compensation after a loss. Knowing what to expect and things you can do to aid in the process will be beneficial.
If you do find yourself dealing with a water emergency, we here at Pro Response Restoration make it our mission to get your home back to its pre-loss condition as quickly and easily as possible. Our team is well versed in dealing with insurance and may be able to assist with questions you have. We understand the stress and frustration caused by an emergency in your home or business. Give us a call, we are here to help, 24 hours a day, 7 days a week.
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