Homeowners especially do not want to file insurance claims but in some rare cases, filing an insurance claim is necessary especially in the case of damages which might be as a result of the fire, flood, burglary or other natural disasters.
The process of filing a lawsuit may prove to be complex and cumbersome and as such we have simplified the process to help you better your chances at pulling through with your claims.
- Consider if you should file the claim with Cohen Law Group in Orlando
Homeowners insurance is intended for the loss of properties that the homeowner cannot easily afford. If your home is truly insured, and the case of damage is on a large scale which means you cannot afford it, then it is in your best interest to consider filing for a homeowners insurance claim with your insurance company.
2. If filing a claim, call your insurance company or agent as soon as possible
When filing your homeowner’s insurance claim, it is important to call your insurance company as soon as you notice the damage in your home. Importantly you should note that not all claims are made within office hours and as such, in the case of a large loss, you should make sure to call the insurance company as soon as possible to register your loss. Additionally, most insurance companies have a claims adjuster on-call to handle major claims.
Tip: Keep all information regarding your insurance company including company name, contact number, policy number and other needed information safe and easily accessible.
3. Take pictures of damage to support your claim
As soon as the damage is noticed, it is important that you take photos of the damage and send it to the insurance company and also make a backup with your Insurance attorney for proper documentation and to also help solidify your case when filing for a claim. Keeping photographs of the event and damage helps the insurance adjuster better understand what happened and the extent to which the damage has consumed your property.
4. Protect your property after a claim
Insurance companies are not in the business of giving out money and as such, it is important to keep your property safe from further damage after it has been assessed. Like every other business setup, the insurance company’s position is to avoid paying more money than required and as such, in the case of storms carting away the roof, it is important that you prevent further damages to furniture and other household equipment.
5. Do not throw anything away
The insurance company has the right to investigate the insurance claim made prior to paying and as such, it is necessary to take all steps to avoid jeopardizing your efforts. The insurance adjuster must be able to verify the damage before claims can be processed and as such, discarding items might have a negative impact on your claim. One of the most common damages which makes people throw away their belongings is water damage. It is important that you properly document the damages and also leave things the way they are till your insurance adjuster takes proper note of all that was damaged in your home.