If your home is damaged you have certain responsibilities under a standard homeowners policy. Following these 9 steps will help you in making your claim and collecting for covered losses under your policy. First you should takes steps to prevent any damage such as calling the fire department or the police. Second, you should notify your insurance company of the loss. Third, you should protect the property from further damage if you can do so safely. Fourth, you should make reasonable and necessary repairs to protect the property if you have the ability to do so and it can be done safely. Five, you should identify damage to real and personal property including documentation of any property you must throw out or dispose of before an insurance company representative arrives. Taking pictures is an excellent way to document what had to be disposed. Six, fill out a claim form with accurate and truthful information. Do not exaggerate your losses, nor should you understate your losses. Seven, keep accurate records of all repairs and costs. Eight, document the cause of the loss, and obtain reports to support your claim. Nine file your claim promptly after you have gathered the above information.
Following these simple steps will help you collect what you are owed for your insured property from your insurance company.
The law firm of Tatlow, Gump, Faiella & Wheelan, LLC may be able to help if you are having a problem with your insurance company. To learn more about our law practice visit our website.