Get Proactive and Speed Up the Claim Process

6/15/2018 (Permalink)

When a storm causes structural damage to your home, it’s normal to feel like things may never be the same again. It makes sense that you’d rather spend your time burrito-wrapped in a blanket instead of playing phone-tag with every contractor in your South Jordan, UT. However, the more committed and vigorous you are in getting information for your home adjuster, the more straightforward the insurance claim process will be.

The First Steps To Take When the Storm Passes.

Once the storm has run its course, there are a few steps you want to take to put yourself in the best position for the rest of the process. Before your insurance company sends an adjuster for a visit, try to conquer the following:

1. Contact your insurance company immediately. Ask questions: Will this damage be covered under my policy? How long does it take to process a claim? How long will I have to file a claim?
2. Make temporary repairs. Since payment for temporary repairs are part of the total settlement, you want to take reasonable measures to protect your home from further damage. Saving receipts to send to your insurance company for reimbursement is always a good idea.
3. Keep all receipts if you must relocate. Documentation is your best friend in this situation.

Preparing for the Adjuster’s Visit.

Home adjusters are trained to assess the damage, but you’ll look extra savvy (and make their job a bit easier) if you have the following handy when they show up:

1. Detailed inventory of ruined/demolished items (photos, items themselves, videos)
2. Written offers from licensed contractors, including prices on a straight-line basis, and materials to be used
3. Any cases of structural damage to your home, tool shed, garage, or in-ground pool
4. Copies of all documents relating to the incident

Planning for a disaster might seem pessimistic. But the truth is, many people are not prepared when trouble strikes. In a situation where your home is on the line, it’s better to know what to do when a home adjuster arrives.

For more information, please visit us at http://www.SERVPROsouthjordannorthdraper.com/.