A storm, accident, flood, or any natural disaster that takes away your property or damages your home can be a very stressful experience that just does not get over with the end of the disaster. The next job for you would be to file a claim for the home insurance.
Many a time, it is at this juncture that the homeowner settles for a less-than-deserving payment as the claim amount because they do not have the time or convenience to fight with the insurance company.
However, this can be made more of an exception than a rule. There are many things that can be done to ensure that the homeowner gets paid the full claim amount that is due with minimum stress. Listed below are a few suggestions that can be kept in mind in the event that such a disaster happens:
In a majority of cases, homeowners are not happy with the insurance payout because they are not clear in the first place as to what all are covered in the policy. It is therefore recommended that the homeowner reviews the policy once every year to reconfirm the coverage the policy offers. It is also a good idea to form a list of all the items that is covered by the policy. It pays to store photographs or videos as required. Nowadays there are apps available that make the job easier. The earlier times had the customers making long lists of the possessions and storing a hard copy in a fire safe. However, it is now possible to take videos of all the required details (your possessions as well as architectural details of your house) with a smartphone and store it in your email.
Record As Many Details As Possible
It is worthwhile to take pictures/videos of your house before the disaster strikes. This provides a means of comparison in case your home has been damaged by the disaster. This may not be possible for many types of disasters that come in unannounced. It is also recommended to take a video of the damage caused soon after the disaster. This may help the claims procedure to go smoothly.
Do not wait
It is not wise to wait and watch. Many individuals wait for the insurance check to start fixing temporary damages caused by the disaster. This type of a wait may lead to some parts of the claim being denied. As an example, if a broken window or roof leads to more damage, the claims adjuster may have difficulty in comprehending the extent of damage that was initially caused by the disaster itself. However, if temporary repairs are carried out it is important to save all the receipts and associated documentation.
Persistence is The Key
Holding on even if your claim is not compensated is the answer. If you continue to find out what your policy covers, you are likely to get compensated eventually. If nothing happens after a reasonable period of time, it is a good idea to contact the state insurance department who will surely help. They offer free service to help with the process of settling claims.
Summarizing, with a little bit of careful planning and persistence, one can avoid most of the heartaches associated with filing a claim and getting duly compensated.