Tips For Filing An Insurance Claim Due To Property Damage
A person’s home is their castle so most homeowners maintain their property and have insurance to protect their investment. Unfortunately, weather related and man-made events that are out of a homeowner’s hands can cause damage or loss to a person’s home and belongings.
These events can range from theft and vandalism; faulty plumbing and electrical hazards; to natural disasters such as flooding, tornadoes and hurricanes. In the event damage does occur to an insured property, a policy holder that has never had to file a property damage claim may be unsure of what steps should be taken next.
The insurance claims and property damage experts at Hudson Douglas Public Adjusters provide the following advice:
- If a crime has taken place due to theft, arson or vandalism, report the incident to the police.
- Notify the insurance company.
- Make any temporary repairs if they will protect the property from further damage, but do not begin other types of repairs until they have been approved by the insurance company.
- Consider hiring the services of a licensed public adjuster to represent the claim on the policy holder’s behalf to ensure that all damages are properly valued for repair and/or replaced.
- Make a detailed list of known damages
- Do not throw out damaged materials and belongings.
- If temporary housing is required, keep all receipts.
“While many homeowners may not be familiar with the services of a licensed public adjuster, these professionals work solely for their customers to ensure that they are treated fairly and that no details are overlooked,” said Tom Allen of Hudson Douglas Public Adjusters, LLC. “As public adjusters, we only represent the policy holder so our clients can rest assured that their interests are our only focus. Expediting the claims process, handling negotiations with the insurance company, and making sure that the client is awarded full coverage benefits are just a few of the things we do to help our clients quickly return their properties to pre-damage conditions so they can get back to their lives.”
The services of Hudson Douglas Public Adjusters are available for residential and commercial policy holders in Arizona, Utah, Nevada, Colorado, New Mexico, Ohio, Pennsylvania and New Jersey.
