How To File Insurance Claim After a Storm

4/28/2022 (Permalink)

How To File An Insurance Claim Following A Storm

Dealing with the aftermath of a major storm can be a huge burden in Lenexa, KS. Between handling water damage, restoring your home and returning your life back to normal, filing an insurance claim can feel more complicated than it truly is. While the process may seem intimidating, you can get through it swiftly if you remain organized and follow these four steps.

1. Call Your Insurance Company

Contact your insurance provider as soon as you can to initiate the claims process. Confirm what is covered under your policy and the amount of your deductible. Ask your provider what information they need to process your claim and get an estimate for how long the process will take. Be sure to provide them with your contact information in case they have any questions.

2. Make Temporary Repairs

If you notice any damage that requires immediate attention, do not wait for the home adjuster’s visit to make the repairs. For example, if you find a pipe burst or standing water in your home, call a flood cleanup and restoration specialist immediately to keep the damage from escalating. If you fail to fix the issue and more damage occurs as a result, your claim could be denied.

3. Prepare for the Home Adjuster

An insurance claim often requires a visit from a home adjuster. Preparing for the visit in advance will make the visit go smoothly and easily. Create a list of all structural damage ahead of time and be prepared to walk the adjuster through each item on the list.

4. Keep Your Receipts

Keep the receipts from your temporary repairs and submit them with your claim. You should also submit receipts for any additional expenses incurred, such as temporary lodging, if you are unable to stay in your home while the repairs are made.

Insurance claims can feel daunting, especially amid making repairs and trying to mitigate damage and costs. However, if you stay organized and focused on the steps listed above, you will move through the process quickly and without delay.