Tips To Fill A Storm Damage Insurance Claim

After a storm, the last thing you want to deal with is filing an insurance claim. But if your home has sustained damage, it's important to do so promptly. The sooner you file, the sooner you can begin repairs. Filing a storm damage insurance claim can be a daunting task, but we're here to help. In this blog post, we'll give you some tips on what to do after a storm and how to file an insurance claim.

Connect With Your Insurer At The Earliest

No matter how prepared you are for a storm, damage can occur to your home or business. If you have insurance, it's important to contact your insurer as soon as possible after the storm so that you can start the claims process.

There are a few things you should do before you contact your insurer:

• Take pictures or videos of the damage. This will help document your claim.
• Make a list of all damaged items, including a description of the damage and the approximate value of each item.
• Gather any receipts or documentation you have for the damaged items.

Precisely Document Your Loss

Documenting your loss is one of the most important aspects of filing a storm damage insurance claim. Your insurance company will use this documentation to determine the extent of your coverage and to calculate the amount of your reimbursement.

Be sure to take plenty of photos or videos of the damage to your property, both before and after the storm. If possible, document the damage with measurements and include a list of any damaged or destroyed belongings.

Keep all receipts for any repairs or replacement items you purchase, as you will need these for your claim. And lastly, make sure to keep a detailed record of all correspondence with your insurance company throughout the claims process.

Do Not Discard Items Without Letting Your Insurer Know

If your home sustains damage from a severe storm, you may be tempted to clean up and discard damaged items. However, it's essential to be aware that your insurer may require you to keep certain items for their inspection.

For instance, if your roof is damaged, your insurer will want to see the damaged shingles or other materials. If you've already discarded them, it may be difficult to prove the extent of the damage, and you may not be fully compensated. The same goes for any other type of damage - if you discard something without letting your insurer know, they may not reimburse you for it.

So, before you start throwing things out, make sure you contact your insurance company and let them know what happened. They'll be able to tell you what needs to be saved and what can be discarded. By following their instructions, you can ensure that your claim is processed smoothly and that you receive the full compensation you're entitled to.

Get Everything In Writing

If your home is damaged by a storm, it's important to get everything in writing before you start the insurance claims process. This includes taking pictures or videos of the damage, getting estimates from repair contractors, and keeping all communication with your insurance company in writing.

Documentation will be key in getting your claim approved, so be sure to keep detailed records of everything related to the damage and repairs. With a little preparation, you can make the claims process go smoothly and get your home back to normal as quickly as possible.

Conclusion

Filing a storm damage insurance claim can be a tricky process, but with these tips, you'll be able to get it done quickly and efficiently. Be sure to document all of the damage that has been done to your property, gather any relevant receipts or estimates, and contact your insurance company as soon as possible. With a little preparation, you'll be able to get your claim approved in no time.