Hurricanes. Lightning strikes. Burst pipes. Property damage happens. It’s not something we can schedule or plan for, but when it happens, it can be a scary and jarring experience. Although we can’t schedule or plan for property damage, we can be prepared for it by knowing what to do when it happens.
Here are four expert tips on what to do if you have property damage.
1. Survey the property damage.
Survey the damages. Take photos or videos of damaged areas as your proof of what happened, when, and to what extent. Also, don’t throw away damaged materials, like roof tiles or siding that may have blown off your home. You may need these as evidence. Keep damaged materials in safe-keeping until your claim is paid in full to your satisfaction.
2. Mitigate further property damage from occurring.
Your insurance policy requires that you protect your property from further loss or damage. For example, you may need to make emergency plumbing, dry-out, or roof repairs. If you make temporary repairs, keep a record of what you spent.
3. Ask questions about your property insurance policy.
Don’t be shy about asking questions. Review your policy and ask your insurance company for an explanation of what is covered. This is even a good idea to do annually, before hurricane season, if you are in a high risk state.
4. Time your permanent repairs appropriately.
Do not make permanent repairs until a representative of your insurance company has had the opportunity to inspect the property. Otherwise, you may be spending money out-of-pocket if your insurance policy doesn’t cover it or if your insurance provider denies your claim.
There you have it, four tips for what to do when you have property damage.
Even the simplest of cases can become complicated. Contact CORE Public Adjusters if your insurance company underpaid or denied your claim. We can also help you with your property damage right from the start. When you hire CORE Public Adjusters we will survey the damages and provide a comprehensive estimate of the damages to your insurance company.