September is among us and the past few days have been miserable! Thunderstorms across the area have caused flooding, power outages and many other damages. I thought this would be a good time to give some advice incase your home has been damaged due to the storms. Knowing the correct way to file your insurance claim is critical to ensure you get the coverage you have paid for. Below are some tips that I have gathered from http://www.insuranceadvice.com, You can check out there website here. For a free Pennsylvania Homeowners Insurance quote visit our website today http://www.kimberleyvassal.com!
- Start before you have trouble. Be sure to read over your homeowners insurance policy when you make the original purchase and any changes that come after that. Knowing what is covered will help you make a stand when it comes time to filing a claim.
- Keep detailed records. Make a list of all your possessions in the home (including identification numbers, name brands or other markings) and all important information of other insured possessions. The more information you have to start with, the easier it will be to file a claim if something happens.
- Know who to contact. Most people automatically contact the insurance company claim number, but that could be the wrong move. It may be better to get an appraisal on repairs before considering the option of filing. Any time the insurance adjustment agent comes out to look at a situation, it may end up showing as a claim even if nothing is paid out. That could cause insurance rates to go up in the future.
- Take pictures. The more documentation you have when you file a claim, the stronger your case for getting paid.
- Write it down. Take notes when you are talking to anyone with the insurance company. Keep extra copies of all appraisals. Get copies of police reports. Remember that you are building a case in support of getting paid for what you have endured.
- Be honest. Never try to tell a lie or even a half-truth in order to get an insurance payment. The truth will come out, and then you may be found guilty of fraud, have your insurance revoked or much worse.
- Try to protect from future damage. Put a tarp over holes, separate out undamaged property and take other measures to secure the insured items from damage. An insurance company may not pay for damages that result from negligence after the fact.
- Buying multiple policies with one insurer (castlecover.co.uk)
- Shopping around and researching when buying homeowners insurance (castlecover.co.uk)
- Most unusual home insurance claims (confused.com)