Take photos or video of the damage: It is important to document the damage as soon as possible, as this can help support your claim.
Contact your insurance company: You should contact your insurance company as soon as you realize you need to file a claim. They will provide you with guidance on the process and what you need to do next.
Gather documentation: You will need to provide documentation to your insurance company to support your claim. This may include receipts, invoices, photo’s, video’s, and estimates for repairs.
Make temporary repairs: If possible, make temporary repairs to prevent further damage to your home. Keep receipts for these repairs, as you may be able to get reimbursed for them. You are liable to mitigate your damages.
Keep track of expenses: Keep a record of any expenses related to the damage, including temporary housing, food, and other necessities.
Stay organized: Keep all of your documentation and records organized and easily accessible. This will make the claims process go more smoothly.
Follow the instructions of your insurance company: It is important to follow the instructions of your insurance company and provide them with the information and documentation they need in a timely manner and in a detailed and explanatory way.
Consider hiring a professional: Depending on the type and extent of the damage, you may want to consider hiring a professional to assess the damage and help you navigate the claims process.
Keep receipts for any out-of-pocket expenses: If you incur any expenses related to the damage, such as temporary housing or repairs, make sure to keep receipts for these expenses. You may be able to get reimbursed for them as part of your claim.
Contact your mortgage company: If you have a mortgage on your home, you should also notify your mortgage company about the damage and the insurance claim. They may have requirements or guidelines for handling the repair process.
Be prepared for the adjuster to visit: The insurance company will send an adjuster to assess the damage and determine the amount of the claim. Be prepared for the adjuster to visit your home and answer any questions they may have. Provide them a COPY (never originals) of your documents, including reciepts, photo’s, video’s, etc.
Review the insurance policy: It is a good idea to review your insurance policy to understand what is and is not covered, and to be familiar with any deductibles or exclusions that may apply.
Handling a claim isn’t fun, but it can be done in a professional and smooth way. IF you take control of the project…or you can hire a consultant, like me, to ensure the construction and repairs are done 100% in a professional way.

Jeph BurnettFebruary 19, 2021

Blog

Take photos or video of the damage: It is important to document the damage as soon as possible, as this can help support your claim.

Contact your insurance company: You should contact your insurance company as soon as you realize you need to file a claim. They will provide you with guidance on the process and what you need to do next.

Gather documentation: You will need to provide documentation to your insurance company to support your claim. This may include receipts, invoices, photo’s, video’s, and estimates for repairs.

Make temporary repairs: If possible, make temporary repairs to prevent further damage to your home. Keep receipts for these repairs, as you may be able to get reimbursed for them. You are liable to mitigate your damages.

Keep track of expenses: Keep a record of any expenses related to the damage, including temporary housing, food, and other necessities.

Stay organized: Keep all of your documentation and records organized and easily accessible. This will make the claims process go more smoothly.

Follow the instructions of your insurance company: It is important to follow the instructions of your insurance company and provide them with the information and documentation they need in a timely manner and in a detailed and explanatory way.

Consider hiring a professional: Depending on the type and extent of the damage, you may want to consider hiring a professional to assess the damage and help you navigate the claims process.

Keep receipts for any out-of-pocket expenses: If you incur any expenses related to the damage, such as temporary housing or repairs, make sure to keep receipts for these expenses. You may be able to get reimbursed for them as part of your claim.

Contact your mortgage company: If you have a mortgage on your home, you should also notify your mortgage company about the damage and the insurance claim. They may have requirements or guidelines for handling the repair process.

Review the insurance policy: It is a good idea to review your insurance policy to understand what is and is not covered, and to be familiar with any deductibles or exclusions that may apply.