To begin with, you should evaluate the magnitude of the damage to the property and pinpoint the areas that require restoration or renewal. For example, following a severe storm, it is likely that your roof will have been damaged, and installing a new roof can be hard and expensive, particularly if you are short on money. Likewise, if your windows are outdated, they may have also been damaged in the storm and you may need to change them as soon as possible. In such cases, the most common solution that homeowners tend to opt for is home insurance. With the help of an insurance claim, you can cover the costs of any repairs or replacements necessary to restore your home to its pre-storm condition.
Nonetheless, many a time, some insurance companies don’t provide them with the deserving payment and many of the homeowners do not even 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 is 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 are 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 their 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 them 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. It may help the claims procedure to go smoother. Nevertheless, the amount of time required to completely restore your home could be long enough for you to seek temporary asylum in a hotel or at a friend’s, family’s, or a relative’s place.
Of course, this would depend on the level of damage that your home has sustained. The insurance claim and restoration process would require you to follow certain steps in cohesion with the insurance company. You could quicken this process by having ready insurance appraisals Red Deer, if that is where you live. That way, you can provide a detailed assessment of the expenses required to fix different parts of the house.
Do not wait
It is not wise to wait and watch. Many individuals wait for the insurance company to start fixing temporary damages caused by the disaster. This type of wait may lead to some parts of the claim being denied. As an example, pipe and plumbing damage may worsen if not fixed immediately, and the insurance company may deny the claim if it is not fixed in a timely manner. In case you do not have the required funds, you can get the damages assessed by a plumber and submit the report to your insurance company. If you aren’t already aware, some companies offer a free inspection, making it a little less worrisome for you.
Likewise, if a broken window or roof leads to more damage, the claims adjuster may have difficulty comprehending the extent of damage that was initially caused by the disaster itself. Moreover, failing to repair the impairments caused by a storm or flood immediately would result in further damage to your property. Water damage in particular can cause wood flooring to rot and weaken the structural components of your property. If not treated promptly with the help of a water restoration company, structural damage can lead to the significant long-term damage that can be expensive to repair and can even cause the property to become unsafe. That being said, if these repairs are carried out, it is vital to save all the receipts and associated documentation necessary for an insurance claim.
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.