What You Need to Know About Filing an Insurance Claim
Many homeowners take their insurance coverage for granted. They believe that when disaster strikes, their insurance company will be there to help them recover. If your home sustains fire damage, water damage, storm damage, or other problems, your insurance coverage should help you to pay for property restoration. However, it’s important to remember that your insurance company is in business to make money, and their goal is to pay out as little as possible.
The team at LaPointe Construction Board Up Service has been helping local homeowners navigate the insurance claims process for over 50 years. We have plenty of experience in dealing with insurance companies, and we want to help you understand the process so that you get all of the benefits that you have been paying for.
Ideally, you are prepared long before disaster strikes. You should have an emergency file with copies of important papers. It should include anything that you made need after a disaster, especially documents like birth certificates and medical records that may be difficult to replace quickly. You may not need all of those, and there may be things that would be helpful to you that aren’t included on this list, but it should help you get started.
- Insurance Policies and Copies of Insurance Cards
- Birth, Death, and Marriage Certificates
- Copies of Driver’s Licenses, Social Security Cards, etc
- Leases and Deeds
- Loan Records, Bank Statements and Account Numbers
- Medical Records and Prescription Lists
It’s also a good idea to create an inventory of your belongings. Include serial numbers, photographs, receipts, and appraisal records if you have them. Be aware of your coverage limits and exclusions. If you have fine art, expensive jewelry, or other special items you may need additional insurance coverage to make sure that they are covered.
When you do need to file an insurance claim, there are two main things to remember: keep good records and follow instructions. We have seen many people lose out on benefits that they should have gotten because of simple mistakes. To get everything that you deserve, follow our advice.
Any time you talk to your insurance agent, a contractor, or anyone else on the phone about your claim, make sure that you write it down. Record the person’s name, the time of the call, and a short summary of the conversation. Save copies of any emails and written letters that you send or receive. Make sure that you get written copies of any estimates for repair work. If you pay out of pocket for any expenses, including hotel or apartment rental, make sure to keep your receipts.
Follow Instructions Carefully
Every insurance company has different requirements when it comes to paperwork, forms, and deadlines. Make sure that you understand what you are asked to do and know when you’re supposed to have paperwork completed. If you aren’t sure about something, ask your claims adjuster to make it clear.
For over 50 years, LaPointe Construction Board Up Service has been helping local home and business owners navigate the insurance claims process. We know that it can be stressful and confusing, so we are here to walk you through it. If your property is damaged and you need to file an insurance claim, call us at 978-447-5991. Let our experienced experts work for you.