Filing Your Home Insurance Claim
Wind, water and fire can leave behind a considerable amount of damage in just a few mintues. Being prepared to handle the aftermath can help you avoid further damage and recover quickly. Your first priority is to make sure any family members and pets are in a safe place.Then you can move on to preventing further damage and starting the claims process. Contact your insurance agent or company. They will advise you on filing your claim.
Inspect your home to determine its safety and the extent of the damage. Before you move or attempt to fix anything, take inventory and pictures of the damage to aid in the claims process. Just be cautious of possible hazards such as downed power lines or debris or shock hazards from flooded basements when the power is still on.
Depending on the situation, your insurance company will send an adjuster to inspect the damage and provide an estimate for repairs, or they will work with you or a contractor to remotely adjust your claim. Do whatever is necessary to avoid further damage. Cover broken windows or tarp a damaged roof. Contact emergency restoration and water mitigation services as soon as possible to prevent further damage and ensure prompt service. If you are not able to re-enter the structure, or if the authorities tell you to evacuate, you can work with your agent or your claims adjuster to set up temporary living arrangements.
Above all, keep detailed records of the repair process and any expenses you incur. No matter the extent of the damage, your agent and company claims representatives will be there to guide you through every step of reporting and settling the claim and repairing the damage.
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