Four Responsibilities Homeowners Have After They Suffer Property Damage

Have you just suffered from property damage due to weather, water, or other unpredictable accidents?  As a homeowner, you likely have acquired homeowners insurance to protect you from this very event.  Even though your insurance policy will likely help you with compensation for the repairs that are needed, there are a few responsibilities that you have as a policyholder.  Our public claims adjuster in Hillsborough County can help you get started with the insurance process, but we recommend that you follow a few steps first.  As a homeowner and policyholder, you should know about these few responsibilities you have after you suffer from any property damage.

Prevent 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.

Act in a Timely Manner

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 Very 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.  

Choose Companies that Work With You

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 amount of compensation you need to cover the bills associated with house repairs and property restoration.

These are just a few of the responsibilities you have as both a homeowner and a policyholder after your home or property suffers damages.  When you work with our public claims adjuster in Hillsborough County, we will be able to assist you with the property claims process and work with your insurance.  If you are looking for assistance to mediate the insurance claims process, contact us today.