- Take action! Make intentional moves and be alert. Be pro-active in the claim process. Take notes and photos and be your own best advocate.
- The insurance carrier is not your friend. Think of your property insurance claim the same way you would think of a vehicle insurance claim. You’re not on a level playing field when you’re dealing with an insurance claim.
- Your home is one of your biggest assets. The insurance carrier is in business to collect premiums. Think of your insurance claim as a business negotiation—you’re dealing with a for-profit company.
- Identify a local licensed legitimate company to meet your insurance adjuster when they assess your storm damage loss. Give your insurance company a chance to do the right thing, but don’t mistake a friendly representative for a friend.
- Take photos and take notes and keep taking both. Photos right when the damage occurs are great – – you also need to continue to take photos of continuing damage deterioration. Document and support your claim with proof, details and estimates.
- Keep all notes in one place or one file. It would be smart to email yourself notes and photos so they are easy to find and therefore efficient to then send to your insurance carrier. Present clear requests in writing that explain what you need, when you need it, and why you’re entitled to it.
- Be transparent and honest and forthright with regard to the damage that the storm has caused to your property. Videos and photos are the best way to do this because they are time-stamped on your smartphone or digital camera. Don’t pad or exaggerate your claim.
- Remember that your insurance carrier is interested in settling your claim quickly and in mitigating their loss and in minimizing the size of your claim payout. Don’t sign legal documents without consulting with a qualified local licensed legitimate contractor.
- Do your best to be cordial and affable with your insurance adjuster – – both the field adjuster and the desk adjuster. Try to resolve problems informally but complain in writing, go up the chain of command and/or use government agency help when necessary.
- Consult with your contractor of choice with questions and concerns. Local licensed legitimate contractors also have access to state-licensed Public Adjusters and Appraisers. Just because the insurance company says no or denies your claim does not mean you are done. If you have damage your local licensed legitimate contractor can help you get it paid for.
Contact Autograph Construction for assistance and free inspections and further information.
HAAG CERTIFIED Storm Damage Inspector# 991904014