After a catastrophic weather event in which you suffered residential property damage, you likely will want a quick resolution to your claim so that you can rebuild and move on with your life. However, because you are in a hurry to submit your claim so that you can get your check from the insurance company, you may have missed some steps along the way that can hurt the outcome of your residential insurance claim.
Even though you want a fast resolution, don’t forget to take these steps following a disaster:
- Be thorough. Fill out the claim paperwork correctly and don’t skip over anything. If you don’t know something, ask.
- Make a detailed home inventory list that includes pictures, receipts, and descriptions of damaged property. Don’t be in a hurry when compiling this list. It is best to go room by room and be as detailed as possible.
- Don’t dispose of ruined property until an insurance adjuster has inspected it.
- Take pictures of all damaged items and areas of your home.
- Make temporary repairs to your home. For example, if your roof is leaking, tarp it off so that further damage doesn’t occur to your home.
- Save all receipts for repairs, and keep all receipts of expenses that you incurred for lodging and other out-of-pocket costs.
- Before accepting a settlement, have a contractor review the adjuster’s inspection to make sure you are receiving enough money to repair your damages.
- If you disagree with the adjuster, do not feel like you have to accept the settlement.
- Talk with an experienced insurance litigation lawyer at the Voss Law Firm at 888-614-7730 in a free consultation to find out about your rights.