Following a storm, insurance companies are inundated with claims from policyholders seeking to have their homes put back together. For a homeowner and policy holder, getting your home put back to its pre-loss condition is of paramount importance, for the insurance company, this is just another day. Dealing with adjusters from the insurance company following damage to your home only adds to the stresses involved, especially when the insurance company tells you the repairs are not covered. That is why it is important to have a professional look at your policy with you to determine your coverage and whether or not the insurance company should repair your home, and if so, to what extent are they on the hook.
What to do following a loss:
- First and foremost, it is important to contact all insurers of your property to inform them of the loss and to begin the claims process. If you have multiple policies (windstorm, flood, etc.), it is better to inform all of them of your loss, even if you believe the damage does not fall under the particular coverage.
- Whether it be water, fire, wind, or mold damage, the insurance company will send an adjuster to inspect the extent of the damages. It is always important to remember, the adjuster does not work for you, they work for the insurance company. You should always document everything the adjuster tells you, including his or her name, and read everything carefully before signing.
- Have a contractor come inspect the damages and provide an estimate. Often times, the contractor will meet with the adjuster or provide a report to the adjuster to ensure the insurance company is aware of all the damages they find. Having an estimate from a contractor or multiple contractors makes it harder for the insurance company to dispel your claim. You have the right to select a contractor you trust.
- If a dispute arises with your claim, contact Cassman Law, PLLC for a free consultation.