How Long Do I Have To Notify of a Property Damage Claim?

Most insurance policy contracts require property owners to report damages “promptly” to avoid the possibility of claim denial. But what counts as a prompt may be a little vague. Therefore, the best action is to notify the insurance carrier as soon as possible. If you must evacuate your property after the storm hit, you still need to inform them over the phone or online.

Prompt notices allow insurance companies to investigate the case immediately and identify the cause and extent of the damage. The investigation results will be the grounds for the claim’s approval or rejection. But when searching for home insurance claim info, it’s best to consult an expert like a homeowner insurance claim attorney. Legal professionals are better equipped to offer home insurance claim help, so you won’t have to go through the hassle of filing and processing your property damage claim during a difficult time.

Tips for a Seamless Insurance Company Claim Process

The insurance company claim process is notorious for being lengthy and complicated. It can be a frustrating experience, especially if it’s your first time dealing with adjusters. Here are some tips to make the entire ordeal easier:

Secure the Premise

Secure your home’s premises to prevent any additional destruction to your property. This also helps avoid the chances of a third party becoming injured on-site. As the policyholder, it is your responsibility to lessen the damages post-disaster. 

If you’ve spent time searching home insurance claim info online, then it’s likely that you’ve come across the advice of documenting the damage. This is one of the best things you can do to strengthen your case. Take photographs and write the details of damaged items to make it easier for the adjuster to inspect your home. 

Keep the Records

home insurance forms and records

Good record keeping is essential when filing claims. You need to list all items destroyed, damaged or missing because you will have to turn that over to the adjuster when it’s time for the investigation.

In addition, it’s a good idea to list everyone you speak to about your case – take their name, title and contact information. You should also keep track of the time, date and issues discussed. The more organized you are, the more straightforward the claims process will be.

Hire Professional Help

A common mistake policyholders make is assuming the insurance adjuster is looking out for their best interests. This is the furthest thing from the truth. The adjuster’s priority is the insurance company, and they will do everything they can to decrease the settlement from your claim.

It’s best to hire professionals, like a storm damage attorney, who will always fight for your rights. We offer the best home insurance claim help in the state of Florida we know the ins and outs industry. 

Contact a Homeowner Insurance Claim Attorney From the Law Office of David Gongora. Esq

Don’t hesitate to ask for home insurance claim help. When you partner with us, you will get a storm damage attorney who will fight to get everything you are entitled to under your policy. Legal professionals from the Law Office of David Gongora are property damage specialists who have handled hundreds of cases throughout the years. Contact us today to talk to a storm damage attorney and get valuable home insurance claim info from our experts.

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