Steps for Filing an Insurance Claim
Few incidents are more harrowing than when your home suffers from serious damages. But don't let that fear distract you from the work that you'll have to deal with following house damages: filing an insurance claim.
After a disaster, you might be shaken up enough that you can't pull yourself together enough to know where to start. To get your home's damages reversed quickly and smoothly, just remember to follow these steps after disaster strikes:
Phone Your Insurance Claims Adjuster ASAP
If you determine that the damage is significant enough that you need to file an insurance claim, you need to contact your preferred claims adjuster as soon as possible. Too much of a delay could cause difficulties with your claim down the road.
Fill Out Claim Forms
Your insurance company will require that you fill out the necessary claim forms when it comes time to file a claim. Just like the first step, it's imperative that you handle this as quickly as you can so that you can get the ball rolling on your insurance claim sooner rather than later.
Prepare for an Inspection
Your inspector will need to conduct the most thorough and, above all, most accurate inspection of the damages done to your home so that he or she can help you get the best payout. This means you need to take inventory of all the damages that have occurred. Take thorough notes. Be prepared to answer any questions as thoroughly as you can.
Have Your Claims Adjuster Inspect the Damages
Finally, of course, you need to have your claims adjuster come over to inspect the damages. For you to get the most accurate claim, do NOT tamper with any of the damages. Leave them be, and let your claims adjuster note them as they are. This process should be somewhat quick, but you need to be ready to provide your adjuster with as much information as you can (as you should have available from the previous step).