If your home has suffered any type of damage, you're going to need to get it repaired quickly. Before you submit your insurance claim, there are some very important steps that you should take. Mistakes that you make prior to filing your paperwork may result in a reduction or a denial of your claim. Here is a list of things for you to remember when filing your insurance claim.
1. Fill Out Paperwork in a Timely Manner
Your home has been damaged. You're going to need to contact the insurance company as soon as you've assessed the damage to your home. Once they send you the necessary paperwork, it's crucial that you return it to them as soon as possible. In most cases, insurance companies will give you a few months to file a claim. However, if you wait too long to return the paperwork, you may end up having your claim denied.
2. Keep All of Your Receipts
If you have costs related to the damages, it's important that you keep all of your receipts. This includes receipts for supplies you might need to clean up after the incident. This is particularly important if you've sustained a total loss of your home. If you have additional living expenses included in your insurance policy, the insurance company may reimburse you for the things you've needed to purchase.
3. Temporary Fixes Only
Before you make any permanent repairs to your home, you need to have the approval of your insurance company. If you don't, they may not reimburse you for the costs of the repairs. To ensure that you're not left with costs that won't be reimbursed, be sure to make temporary fixes only. For instance, if your roof is leaking, make temporary fixes by placing a tarp over the leak. Once the insurance company accepts your claim, you can go ahead with the permanent repairs.
4. Take a Complete Inventory
If you're home has been destroyed, you need to make a complete inventory of the belongings you've lost. The insurance company may send someone out to do it for you, but they may not make a complete list. If you want to be reimbursed for everything that you've lost, you need to go through your home and make a list of every single item you find. This will ensure that you receive a fair settlement for your losses.
After a catastrophe, you need to get your life back in order as soon as possible. The contractors will rebuild your home. This list will help ensure that the insurance company takes care of all your additional losses and insurance repairs.