Settling Insurance Claims After a Disaster

If you have had the bad luck to be affected by a disaster like fire, hurricane, or flood, you need get started right away on settling your insurance claim. Here is what you need to do if you have been unfortunate enough to be affected by a disaster.

First, you should contact your agent immediately. Ask how long you have to file your claim, whether the damage is covered, and whether the damage exceeds the cost of your deductible. Additionally, you should inquire if you need repair estimates and how long it should take for your claim to be settled.

Second, you should get started right away on temporary repairs. Do everything that you can to protect other parts of the home from damage. Be sure to save your receipts so you can be reimbursed. Be wary of contractors who give you a ridiculously low initial quote. They may end up cheating you or doing shoddy work.

If you need to temporarily find other lodging, keep records and receipts of your expenses. Some insurance policies will reimburse you for these costs.

Your insurance adjustor will come out and check out the damage. Before he comes, you should prepare an inventory of damaged property to make sure that nothing gets left out. Don’t throw out damaged things until the adjustor visits. He needs to see an accurate representation of what happened to get a good estimate of what the insurance company will pay.

Settling a claim does take some time, but it is important that you do it correctly. Hopefully, it won’t be long before your home and property are back to normal.

If you need more information about insurance, contact North American Advantage Insurance Services.