Filing a property insurance claim can feel unfamiliar to many. However, once you’ve submitted your claim, there are key steps you can take to ensure the best possible outcome. Here’s a guide on what to do next, from tracking your claim to ensuring your rights are protected.
Stay Organized
After filing your claim, keep all related documents organized. This includes:
- Claim Number: Your insurance company will issue you a claim number. Write down this number, store it in your phone, or keep it handy, as you will need it to proceed with your claim.
- Correspondence: Save all emails, letters, and notes from conversations with your insurance adjuster and any other representatives from your insurance company.
- Photos and Evidence: Maintain a file with any photos or videos of the damage, receipts for repairs, and other relevant documents.
Being organized will make it easier to reference information when needed and help you stay on top of the process.
Communicate with Your Adjuster
Once your claim is filed, you’ll be assigned an insurance adjuster who will assess the damage. Maintain regular communication with them:
- Scheduling a Visit: Your insurance adjuster will likely initiate the process by contacting you to schedule a visit to assess the damage to your property. Be sure to confirm the date and time of the inspection. Additionally, be sure to be present during the inspection. This allows you to answer any questions the adjuster or assessor may have and provide explanations about how the damage occurred, ensuring that all damage is properly noted and considered.
- Ask Questions: Don’t hesitate to ask about the process, what to expect, and how long certain processes might take.
- Be Available: Make sure you’re accessible during this time in case the adjuster needs more information or clarification. Share your email, cell phone, and any other contact methods where you can be reached.
Document Everything
As the claims process progresses, document every step:
- Keep Track of Conversations: Take notes during calls with your adjuster or any other relevant parties. Include dates, times, and key points discussed.
- Track Expenses: If you incur any out-of-pocket expenses related to the claim, such as temporary repairs or living expenses, keep all receipts and document these costs. An Excel spreadsheet can be a great tool here.
This information can be crucial if any disputes arise or if you need to provide additional evidence.
Review Your Policy
One of the most crucial steps is to review your policy. Although everyone should do this, many people neglect to take the time. Make sure to understand your coverage limits, deductibles, and any exclusions that may apply. Familiarizing yourself with your policy will empower you to advocate for yourself effectively and ensure you receive everything you’re entitled to.
Prepare for Other Inspections
Engineering inspections after a property damage insurance claim play a crucial role in assessing the extent of damage and determining the cause.
- Damage Assessment: Engineers evaluate the structural integrity of the property, identifying any damages to foundations, walls, roofs, windows, doors, and other critical components.
- Cause Analysis: They help determine the cause of the damage, whether from natural disasters, water intrusion, fire, or other factors. Depending on the situation, they may conduct tests (e.g., moisture readings, roof tile uplift testing, structural load assessments) to gather more data.
- Report Generation: After the inspection, the engineer compiles a detailed report that outlines their findings, including an assessment of repair needs and estimated costs.
Be Patient but Proactive
Claim processing can take time, so patience is vital. However, being proactive is equally important:
- Follow up: If you haven’t heard back from your adjuster or the insurance company within the expected time frame, don’t hesitate to follow up.
- Request Updates: Regularly ask for updates on your claim status. This shows you’re engaged and helps keep your claim on their radar.
Consider Temporary Accommodations
If your property is uninhabitable, you may need to find temporary housing. Review your policy to see if it covers additional living expenses (ALE). If it does, keep all related receipts and documentation for ALE, as you will most likely need to submit these for reimbursement.
Be Mindful of Repairs
If you need to make repairs, be cautious:
- Document Damage Before Repairs: Take photos/videos of any damage before starting repairs. This will serve as proof for your claim.
- Get Estimates: Obtain written estimates from contractors for any necessary repairs. Submit these to your insurance company for approval before proceeding.
- Obtain Invoices for Permanent Repairs: Make sure to collect invoices from the contractors who complete the repairs. Additionally, ensure that these invoices are marked as “Paid” once payment has been made.
Understand the Insurance Company’ Coverage Determination
Once your claim has been processed, you will receive a coverage determination from your insurance company regarding your claim. Review it carefully:
- Evaluate the Decision: Carefully read all documentation to fully understand the insurance company’s decision.
- If an Offer is Made or Payment is Issued, Evaluate the Offer: Make sure the offer accurately reflects the true cost of repairs and replacements.
- Negotiate if Necessary: If you feel the offer is insufficient, don’t hesitate to negotiate. Gather additional evidence and documentation to prove the amount for your claim.
Seek Professional Help if Needed
If you encounter challenges or disputes with your claim, such as receiving a low payment amount or facing an unwarranted coverage denial, it may be beneficial to reach out to a public adjuster or an attorney. These professionals can offer guidance, negotiate on your behalf, and help ensure you receive a fair settlement.
Conclusion
Filing a property insurance claim is just the beginning. By staying organized, communicating effectively, and being proactive, you can navigate the post-claim process with confidence. Remember, your goal is to ensure that you receive the coverage you’re entitled to and to get your life back on track as quickly as possible. If you encounter issues and aren’t receiving what you’re entitled to, reach out to a professional who can assist you in obtaining what you deserve. They can help restore you to the state you were in before the event that caused your loss.
