If your home was damaged by the severe weather, contact your insurance company or agent to file a claim as soon as possible. These tips will help you make the process go smoother:
- Keep a list of everyone you talk to at your insurance company.
Be ready to answer questions about the damage.
- Make a list of damaged property.
Take pictures or videos. Don’t throw anything away until your insurance company tells you to do so.
- Take steps to protect your home from further damage.
Cover broken windows and holes to keep rain out and prevent vandalism or theft.
- Try to be there when the insurance company comes to inspect the damage.
If you can’t stay in your home, leave a note with information on where you can be reached.
- Ask your agent about additional living expenses.
If you’re forced out of your home to make repairs, your insurance policy may pay for some of those expenses.
- Avoid fraud (with the following recommendations):
- Get written estimates.
- Get more than one bid
- Beware of contractors who solicit door to door.
- Check references and phone numbers.
- Don’t pay up front.
- Avoid contractors who offer to waive your deductible or promise a rebate for it.
- Never sign a contract with blank spaces.
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- What actions should you take to protect your property before a severe storm and floods?
- Make a checklist of actions that you should take after the storm? Share the list with other students.
- Under what circumstances is it better not to file a claim?
- If you file a claim and your insurer rejects it, what are your options? Who should you turn to for assistance?