5 Rules to Filing a Property Insurance Claim

5 Rules to Filing a Property Insurance Claim

Each year, about 5 % of all homeowners make a property claim. Wind and hail damage are the most frequently filed claims. When you add totals together, insurance companies pay out the most money on fire and lightning strike claims. If you need to join the list of those making a property claim, then it is essential to follow six rules to maximize your insurance benefits.

Take Care of Yourself and Family

Remember that you can replace property, and memories can live in your heart forever. It is urgent, however, to make sure to take care of yourself and your family as nothing can replace you. Holding regular drills can help everyone get out safely and know what to do after they get out. Check everyone for injuries and use emergency services as needed.

Protect Your Property From Further Damage

After making sure that everyone is OK, your next step should be to protect your property from further damage. You will need to control access to the property, even if it means hiring security people. Mitigate the effects of any water damage so that the water cannot do further damage. If it is safe to do so, start moving valuables to a secure location. Start trying to save papers and other items that you cannot easily replace.

Take Photos

The next thing that you should do is to take many photos. Be sure to capture the most critical items from numerous angles as this can help support your claim. As you are taking the pictures, make an itemized list of damaged items. You will be surprised how quickly things will change, and you do not want to trust your memory during this emotional time.

Be Careful What You Throw Away

It is best to wait until your public claims adjuster, and your insurance adjuster arrives to start throwing anything away. You can, however, begin to clean out any food, but be sure to take photos to support your claim.

Keep Records

When you talk to someone about your claim, make sure to record the person’s name, title, phone number, and essential details of the conversation. You may need to rely on these notes later. Since you may still be an emotional wreck, consider letting a public claims adjuster deal with your insurance company. They know what to say to get you the best settlement, and you can trust them to make the right notes.

While you can start the process on your own, hiring the services of a public insurance claims adjuster on the Space Coast is a great idea. They can guide you each step of the way, and they can do a lot of the work for you. Then, you can start moving on with your life after your disaster. Insurance companies often use adjusters to figure claims, and you need a public insurance claims adjuster on the Space Coast working for you.