Prepare for a Visit From the Insurance Adjuster
Filing a homeowner’s insurance claim in O'Fallon, MO, can be tricky if not handled correctly. Details are key in these situations, especially if the cause of the damage is not clear. To ensure your claim is accepted, you must know exactly what your policy requires you to do. If you skip some steps or miss any deadlines, the insurance agent may throw your claim out.
Contact Your Agent Immediately
Contact either your insurance agent or the insurance company to find out the specifics of your policy and what types of damage are covered. You will also need to know:
- How much time you have to file the claim
- If the claim will exceed your deductible
- How long the claim will take to process
- If they require repair estimates
Prevent Further Damage
Some insurance companies require that you do some temporary repairs or get board up services to secure the damaged areas and prevent further damage. You will want to save receipts for any purchases you make regarding the home damage, to collect insurance reimbursement. You should wait on completing large permanent repairs until the home adjuster assesses the damage.
Prepare a List
Before the home adjuster arrives, it is best to be prepared with a list of house damages as well as damaged belongings, so they can add this to their overall claim valuation. Your list should include the items, a description of each, approximate purchase date, and the replacement or repair cost. Having receipts for as many of these items as possible will help your case move more quickly.
If your insurance company requires bids from licensed contractors, collect a few written bids with materials and prices listed clearly. Keep copies of everything you provide to the home adjuster, as well as copies of paperwork they provide to you. Write down names and numbers of everyone at the company you speak with too, just in case something goes wrong with your claim.
Repair Your Home Back to Normal
Providing your home adjuster with as many details as possible will help to ensure your claim is accepted. Doing all of these things in an efficient manner is important too, as the longer some types of damages sit around, such as water damage, the more likely mold and further permanent damage can set in. Disaster remediation companies can help you repair both your home and damaged belongings quickly and thoroughly, saving you time and effort.