Whether your home is damaged in a fire or a windstorm, the consequences can go beyond a few broken windows or cracked walls.
If you don’t have a safety net to fall back on, such a disaster can inflict lasting financial damages on your funds. But even when you have homeowners insurance, it may leave you with a long and tiring battle with your insurance company.
In case you don’t have insurance in place, you have no choice but to take the loss. But if you are financially protected by insurance, you need to file your claim in a way that ensures its coverage. Having a public insurance adjuster such as Friedman & Associates Public Adjusters by your side helps you boost your chances to argue against the insurance company’s stance.
To help you ensure that your insurance coverage does not disappoint when you need it the most, here are 3 steps to take after your home is damaged.
1. Take Notes and Pictures of the Damaged Site
The first critical step after noticing damage in your home is to call your insurance company. Once you are done with that, your next move should be to gather proof through notes and pictures.
This is a critical practice for multiple reasons. Firstly, it lets you capture a list of damaged items through text and photographs. Secondly, it records the date and time when you noticed the issue.
While the notes and visual evidence help you file and process your claim, the timestamp lets you ensure that you have a clear picture of the visual damage at the time of its identification.
This particular practice can help you present a more accurate image of the disaster site in your claim. This ensures that your claim is filed as accurately as possible, which helps you get an answer from your insurance company promptly.
2. Plan Immediate Rehousing and Tentative Repairs
As the investigation continues and the claims adjuster does their work, you have a few options to consider and some decisions.
For instance, if your home is completely or majorly damaged, you might need to look into moving somewhere else until your case is settled. If the damage is contained to one room, you need to make sure that it doesn’t come into use until you hear updates on your claim.
You should also ensure that you don’t start any repairs on your home until your claim is approved. Otherwise, you might end up paying out of pocket costs to cover the damages.
Instead, you can plan and schedule tentative repairs that are subject to the approval of your insurance claim. This ensures that you can start restorations as soon as you hear from your insurance company, but don’t fund the work out of your account.
3. Hire a Public Insurance Adjuster
Even after being so careful, it is not rare to see your claim being denied.
It’s because insurance companies are not there to swiftly approve every claim that comes to their desk. They fight tooth and nail to find any flaws or ambiguities in your claim that lets them reject it. You can frown upon the practice, but you cannot revoke it.
With that being said, you can return this business strategy with a plan of your own in the form of hiring a public insurance adjuster. Contrary to a claims adjuster that works for the insurance company, the public adjuster works on your behalf and makes sure that any evidence that favors your case can be presented for evaluation.
The best part? You don’t have to wait until your claim’s rejection to hire such a professional. You can obtain their services from the get go to make sure your insurance company isn’t underpaying or delaying your claim.
By keeping these tips in mind, you can ensure that the process to restore your home to its original condition doesn’t become too stressful. Even as you go through the daunting situation, you can count on your knowledge of the process and public adjusters’ specialized services to make it relatively easy on yourself and your loved ones.