If you’ve suffered extensive damage to your home, then you’re going to need to hire a home restoration company to make the necessary repairs. However, depending on what caused the damage in the first place, there’s a chance that the cost of these repairs could be covered by your homeowner’s insurance company. If you’ve never filed an insurance claim, there are some factors you’ll want to consider along the way.
Is it Worth Filing a Homeowners Insurance Claim?
Start by considering the extent of the damage. Obviously, if the damage is extensive (such as that caused by a fire, flooding, or tornado), then you’ll definitely need to get your insurance company involved. However, if you’re dealing with a relatively minor problem, it might make more sense to avoid a claim and pay for the repair out-of-pocket—especially if you have a high deductible on your policy.
Talk to Your Agent Before Starting Any Repairs
Some homeowners make the mistake of having repairs started as soon as possible before they even report the damage to their insurance agents. Unfortunately, this is a poor decision and can even lead to your claim being denied. If you plan on filing a claim for your homeowner insurance restoration costs, you’ll need to do so before you have any repairs made if you expect to be reimbursed or otherwise covered.
Document as Much as Safely Possible
If possible, be sure to document the scene of the damage extensively; this evidence can be useful to have when it comes time for your insurance claim to be processed. Specifically, try to get plenty of photos of the damage (from various angles, if possible) and even videos. Make a note of the conditions when the damage occurred. Was it storming? Were there high winds? What about hail? All of this information could be relevant to your claim later on.
Getting Approved for Temporary Housing
If the damage to your home has rendered it unlivable, check your insurance paperwork to see if you’re covered for the cost of temporary housing. More than likely, you will be. Your agent should be able to assist you in finding local, temporary housing that’s as similar as possible to your home in its pre-damage condition. For example, if you have a three-bedroom, two-bath home, your agent should try to locate a similar three-bedroom, two-bath home, condo, or similar residence where you can stay until your home repairs are made.
Working With a Claims Adjuster
One of the most challenging aspects of the claims process is often working with the claims adjuster, a representative from your insurance company who will assess the details of your claim and ultimately decide whether you’re covered and, if so, to what extent. As you work with your claims adjuster, provide him or her with as much documentation as possible. If you feel your claim is wrongfully denied or the amount of damage is under-valued, you may want to consider appealing it or even hiring an attorney to assist you in the process.
By keeping these tips in mind, you can have your home restored to its pre-damage condition and hopefully have your homeowner’s insurance help cover the associated costs.
When it comes to home damage restoration, our restoration company makes things easier. We offer the following:
- Water damage restoration
- Fire damage restoration
- Flood restoration