Homeowners insurance is a must, especially in unexpected and uncontrollable situations such as fire. If such an incident happens to you, it’s important to know how to file a claim. As fire damage specialists, we’re sharing a few tips to help guide you through the file-claiming process. Here’s what you need to consider.
Call Your Insurance Provider
The first step in filing your insurance claim is to call your insurer or the agent who sold you the homeowners insurance. Usually, the insurance company will assign an adjuster who will assess the damage on your affected home and send back an estimate afterwards. Keep in mind that the amount that’s paid to cover the damage depends on the kind of coverage you have, so check what’s covered by your insurance policy.
Document Your Losses
Take photos of the damage and make a list of affected or destroyed items. Also include how much you’ve paid for each of the items. If possible, gather any saved receipts you can find. You can easily do this before the actual fire restoration starts. Documenting your property losses before the adjuster arrives can also speed up the claims-filing process.
Document Your Interactions With the Adjuster
When the adjuster visits your home for the inspection, you need to be there to show and explain what was lost or damaged. Once they give a thorough check and leave, make sure to keep in contact with them. This is so you’ll have some form of back-up of your interactions with the adjuster as a precautionary measure. You’ll also need to keep notes whenever your adjuster visits and what you’ve discussed, as well as any missed appointments and unreturned calls. The information collected can be useful in case certain disagreements have to be resolved in court.
Whether you need to have your home restored from a fire or a water removal job done, consider hiring Action Restoration Inc. Call us today at (616) 200-8946. You can also conveniently reach us through our online request form.