After a harsh winter, property damage and loss can be very real problems for any home or business owner. Then, to add insult to injury, your insurance company may decline your claims for reimbursement. To ensure you're prepared for this, here are some steps you should take to ensure your insurance claims are strong.
Take Inventory of Damaged Property
Your first step should be taking inventory of everything that was damaged over the course of the winter. Do an inspection of your house and surrounding property to make sure you don't miss anything.
Get Lost And Damaged Items Appraised
After you have a list of everything that was damaged, the next step is estimating the cost. Having verified, accurate numbers is an important part of making sure your claim is strong, so find a reputable company or professional to perform the appraisal.
Keep Records of Every Correspondence
If you have followed the 1st two steps but your claim is still denied, you may need legal help, so making sure you've kept records of every communication between you and your insurance company is important. Save every email and letter, make note of every call, and keep track of any face to face communication.
Dealing with your insurance company can be a hassle, but if you're prepared and have put in the effort to make sure you have evidence to back up your claim, you can easily argue against their decisions with the assistance of a lawyer. To learn more about how you can deal with insurance problems after the damaging effects of winter hit, contact us today.