When disaster strikes, your world may literally fall apart. If your home and property have been damaged or destroyed, act quickly to get on the road to rapid recovery. These first five steps will help you deal successfully with your insurance company and its adjusters.
1. Get your hands on a full copy of your insurance policy and read it. Your policy will include the coverage amounts for your dwelling, personal property and other structures. It will also spell out how you’re covered for loss of use and other items.
2. Next, report your loss. Insurance policies require homeowners to report their loss as soon as is reasonably possible.
3. I strongly suggest documenting all contact with your insurance company and its representatives. Write down the time and date of every call, what was said, by whom and what are the next steps.
4. After the adjuster inspects your loss, he or she will prepare a written assessment, or adjuster’s report. This is a report of the scope of the repairs, materials and costs needed to replace your loss. One of the most important things to do is to review the adjuster’s report to make sure it includes all costs to fully repair and replace your loss. Look for missing items, partial or incomplete measurements and low-balled contractor labor costs. Collect your own estimates to support your claims.
5. Consider getting help from an insurance consultant. Insurance policy language can be confusing and dealing with your insurance company can be intimidating. Rapid Disaster Recovery will help you at every stage of the insurance claims process. We work for you, not the insurance company, to give you the best possible result. Call us first before you start the process. For more information, please call us at (844) 672-7433 or visit http://rapiddisasterrecovery.com.