Here is a checklist for your guide on how to maximize your homeowners insurance claim.
Immediately After the Damage:
☑️ Safety First: Ensure the safety of yourself and your family. If necessary, evacuate the premises and contact emergency services.
☑️ Contact Your Insurance Company: Notify your insurance provider as soon as possible. Provide them with your policy number and a brief description of the damage.
☑️ Document Everything:
- Take photos and videos of all damaged areas and belongings.
- Create a detailed inventory of damaged or lost items, including descriptions, purchase dates (if possible), and estimated values.
- Gather any relevant documents, such as repair receipts, contractor estimates, and police reports (if applicable).
☑️ Prevent Further Damage: Take reasonable steps to protect your property from further damage. This could include covering damaged roofs or windows, or turning off utilities.
☑️ Save Receipts: Keep all receipts for any expenses related to the damage, including temporary repairs, lodging, and meals.
During the Claims Process:
☑️ Review Your Policy: Carefully review your homeowners insurance policy to understand your coverage limits, deductibles, and any exclusions.
☑️ Communicate with Your Adjuster: Cooperate fully with the insurance adjuster assigned to your claim. Provide them with all the documentation they request and answer their questions clearly and honestly.
☑️ Get Estimates for Repairs: Obtain multiple written estimates from reputable contractors for the repair or replacement of damaged property.
☑️ Understand the Settlement Offer: Carefully review any settlement offer from your insurance company. If you disagree with the offer, be prepared to negotiate and provide supporting documentation.
☑️ Ask Questions: Don’t hesitate to ask your insurance company or adjuster any questions you have about the claims process or your coverage.
☑️ Keep Records: Maintain a detailed record of all communication with your insurance company, including dates, times, and names of individuals you spoke with.
To Maximize Your Claim:
☑️ Be Thorough and Accurate: Provide complete and accurate information about the damage and your losses.
☑️ Document Everything: The more documentation you have, the stronger your claim will be.
☑️ Know Your Rights: Familiarize yourself with your state’s insurance laws and regulations.
☑️ Negotiate if Necessary: If you believe the settlement offer is too low, be prepared to negotiate with your insurance company. You may need to provide additional evidence or obtain an independent appraisal.
☑️ Seek Assistance if Needed: If you’re having trouble navigating the claims process, consider seeking assistance from a public adjuster or an attorney specializing in insurance claims.
At Parkway Insurance Group, we will guide you in every step of your claims process because we are here to protect what matters most and we believe that caring makes the difference. Contact us today at contact.parkwayinsurancegroup.com and get a quote with no obligations.
