1
REPORT YOUR CLAIM AS SOON AS POSSIBLE
- When there are weather events that cause widespread damage, insurance companies are FLOODED (no pun intended) with claims. They triage to handle the most impactful ones first. Call as soon as you can so your claim is added to the queue for processing.
- Please be patient while the insurance company sifts through the incoming claims to service people who have be displaced from their homes first. They may have nowhere to sleep tonight if insurance company doesn’t act quickly. They WILL get to you, I promise. Chances are, they’ve even called for reinforcements to come from unaffected areas to help with processing so many claims.
2
KEEP ALL INVOICES, RECEIPTS, AND DAMAGED ITEMS
- Keep records of everything you do regarding your claim
- Photograph and document any damages prior to clean-up with photos and videos
- Start creating an inventory of damaged personal property, including the cost and age of the item
3
CONTACT A RESTORATION COMPANY RIGHT AWAY
- Be cognizant of contractors who are not licensed, bonded, local, or insured. Ask for this information upfront.
- Beware of contractors who promise that they can get your damages covered by insurance. Your coverage depends upon the options you chose when you purchased the policy. They can’t guarantee anything: ESPECIALLY if they haven’t looked at your policy and spoken with an adjuster from your insurance company.
- If a company is not available, log the hours necessary to mitigate your loss.
- Do what you can to prevent additional losses:
- Tarp leaking roofs when safe to do so.
- Pump out standing water in the home.
- Remove damaged wet items BEFORE mold has a chance to set in.
- Wear protective gear if necessary to protect yourself and your family.
- Be aware of cross-contamination risks.
IF YOU ARE UNSURE WHETHER YOU HAVE ADEQUATE COVERAGE ON YOUR POLICY TO PREVENT FUTURE LOSSES, CALL US FOR A POLICY REVIEW
Don’t miss out on this opportunity to prepare for disasters and ensure that you have the right insurance coverage in place. Once a weather event is in progress, it’s too late to add coverage to your policy.
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