Steps You Should Take After You Suffer Property Damage
Are you looking to settle a property claim that you have recently filed with your insurance company? Whenever you suffer damages to your property due to unpredictable circumstances, such as flooding, weather, or theft, you are likely entitled to compensation from your insurance company as outlined by your homeowners' policy. However, homeowners are still responsible for a few things after they suffer damages to their home. As a property insurance claims attorney in Miami, FL, we help many of our clients fight for what they deserve from their insurance company. When you sign your homeowners' insurance policy, you need to know about these few steps you need to take in order to properly begin the insurance claims process.
Mitigate Further Damage
After you suffer from property damage, you should immediately take the steps to prevent any further damage. If your home is flooded, remove any materials and belongings that you can. Contact any emergency services to come to your home to assess any damages caused by water, weather, storms, mold, and fire. They will be able to mitigate any additional damages that could ultimately be prevented.
Meet Deadlines
After you have cleaned the area and ensured the safety of the area, you will want to file your insurance claim in a timely manner. In fact, there are strict deadlines that you will be required to meet as outlined in your insurance policy. Become familiar with the amount of time you have to file your claim, and be prepared with the proper documentation to expedite the process. This will provide the insurance company with everything they need before the deadline.
Be Specific and Detailed
This is perhaps one of the most important aspects of the property claims process, as you will want to add as much detail as possible to any reports. If you don't properly list the damages and belongings that have been compromised, you will not receive any reimbursement. Keep track of any expenses related to the repairs that have been made.
Trust Professional Opinions
Many repair companies that come in after you suffer damages will also work with your insurance company. These companies are great, because they are the experts on the damages. They will be able to provide an informed assessment of the damages made, which will ultimately help you recoup the compensation you'll need to cover the bills associated with house repairs and property restoration.
By following these steps after you suffer property damage, you protect yourself by covering the responsibilities outlined in your homeowners' insurance policy. If your insurance company fights you on the settlement outlined in your claim, you want to be prepared to defend yourself. Trust our property insurance claims attorney in Miami, FL to fight for what you rightfully deserve. Contact us to schedule a consultation with our experienced attorneys today.