Clayton Assistance With Homeowners Claim Company
Listed below are 7 tips to help homeowners using their statements process:
1. MAINTAIN A LISTING OF Home ITEMS
Receiving a fair payout for damage to one’s home and belongings begins by making a list of what you possess, particularly the more costly items, including what they cost, even whether it’s only an estimate.
Taking photos or even capturing video when you describe the items and how much you paid for them, works too. And, when possible, take digital photos and video, which you can store online online like Flickr and Picasa. That way, you can access them in the case your personal computer is damaged.
2. UNDERSTAND SCOPE OF YOUR COVERAGE
Knowing what your insurance coverage addresses and what it doesn’t is essential for you to get through the promises process quicker.
You don’t want to have to rely only on what claims adjusters let you know, especially as each goes through the procedure of evaluating how much of a payout you’ll get.
3. QUICKLY DOCUMENT DAMAGE AND MAKE ONLY TEMPORARY REPAIRS
After the storm, once it’s safe to move about, it is important to take photos of the damage immediately. Comparing these photos to the ones used before the storm may be used to establish the value of items that are broken or destroyed.
If openings have been torn in your roof or windows are broken, cover them quickly to prevent further damage, but don’t make any long lasting fixes. But take photos or videos of the damage before you start working.
And don’t get rid of damaged furniture or other expensive items until an adjuster has seen them.
4. CONTACT YOUR INSURER RIGHT AWAY
Homeowners should call their insurance company quickly and get the claims process rolling, it doesn’t matter how much damage their house has sustained.
You are able to contact your insurance professional for information about how to file a claim. Or, if the agent can not be reached, contact the company directly via the web or phone.
Even if you’ve been evacuated and have yet to come back to your house, but it’s within an area which may be flooded or known to have been damaged in the storm, call your insurer and tell them, Salvatore says.
Doing so can help establish you need to spend amount of time in a hotel, something you might be in a position to get reimbursed for later.
Also, note the name and number of everybody you speak with during the claims process. That can help clear up any confusion that may arise along the way.
5. BE PREPARED TO NEGOTIATE
Once insurance adjusters look over the damage, they will determine how big is your payout.
But if that amount seems too low, there are ways to voice your disagreement and make an effort to work out a much better settlement.
You will want to ask the adjuster to show you the contract language and justify the proposed amount.
If you’re still dissatisfied, get a second or even third opinion on the expense of fixes from independent companies. You can use that to argue for a larger payout.
Ideally you could work it out with the adjuster, but if not, you can try to make your case with someone at the company’s regional or national office.
They may be experts on the insurance claims process and can evaluate the damage to a home and help build the situation with respect to the homeowner.
6. LOOK OUT FOR SCAM ARTISTS
Scam artists will show homeowners things like they will not have to pay their deductible. Avoid the scumbags.
7. Let RoofersNorthCarolina.com help you.
If you need Assistance with homeowners claim service in Clayton, we can help you. Email us today for more information.