May 18, 2024

Claims Filing Tips

Tips When Filing a Property Damage Insurance Claim

Filing Property Loss Claim

Filing Property Loss Claim

Ask for an advance against your ultimate fire homeowners insurance claim

If you were forced to evacuate due to the dangerous conditions, you may not have grabbed essentials like toiletries or clothes for school and work. Ask your insurance company to bring a check to wherever you are staying. That way you can go purchase your necessities without having to wait for your ultimate insurance coverage. This advance will be deducted from the total amount you finally receive from the insurance company.

Make a list of everything you’ve lost and do not throw anything away

You will want to make a list of everything you lost in the event. You want to be sure to start making this list as soon as you can so that you are able to remember to include everything lost by the time you file your property loss insurance claim.

Be sure not to throw anything away. Many people make the mistake of tossing things in their homes that are completely ruined, either by smoke or fire damage. Remember that the insurance claims adjuster will want to see these things to include them in the coverage. It will be easier to prove that you really lost the items on your list if you hold on to them for the insurance claim adjuster to see. If you throw them away, the insurance company may refuse to compensate you.

File your claim right away and press the insurance company to act ASAP

The insurance company will require you to submit a “proof of loss claim”. This is the form on which you include all of the items you lost, including their value. Your prompt action is especially important if there were many other homeowners affected by the event.

The best time to hire an adjuster is at the beginning of a big claim. That will allow the adjuster the best chance to expedite your property loss claim. If you didn’t hire a public claims adjuster and then find yourself in the middle of a loss claim nightmare, you can bring in a public adjuster in the middle of a claim.

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