Protecting your family and home is first and foremost of your concerns. In the event of a fire or a storm, you’ll need to file for fire and water damage claims. You might be in too much of a rush to do so, considering that you also have to handle other things. To efficiently deal when the worst comes, you must prepare. To help you out, here are three important reminders.
Know your coverage
What is the extent of the coverage you have right now? A homeowner’s insurance policy might look and seem like a maze, but a responsible homeowner should know their basic coverage. No matter how well you assess current needs in the event of an unforeseen tragedy, you’d have to file claims within the coverage of your insurance policy. An insurance water damage claim may not be viable because it is an exclusion. Standard policies typically exclude specific events such as defective maintenance, power failure, faulty zoning, and flooding. Some insurance providers exclude weather events such as hurricanes if the area is particularly high-risk.
Document completely and accurately
You have probably heard about the necessity to keep all damaged goods and not throw anything away. However, do you know it is better if you document everything as well? If possible, no one must alter the scene of the event. It must be kept safe, though, for those who have access to the area. When an adjuster arrives to inspect and determine the scope of the damage, you must be ready with photos, videos, and lists of damaged items and areas. Presenting accurate and timely evidence will facilitate your claim.
Security is imminent
By securing your property, you are keeping the area intact for assessors. You are also protecting it from further damage. This is especially true if only one part of the house incurred damage. You’d want to limit the problems.
Know what your insurance covers and what it does not. Document properly, and implement security measures to mitigate damage.