So… you are pretty sure you have storm damage to your home. You also have an insurance company that is supposed to help you out. Then you remember that most insurance companies are more about saving themselves money than they are about helping you recover from the storm. You want to get the damage repaired, and have insurance cover the cost, but you are not sure how to go about it.
Here are 3 great tips to help you through the insurance claim process:
1) Call a Local Contractor
Call a local trusted contractor to come out and inspect the damage for you to see if you need to file a claim. They will help you to inspect your entire home for possible damage and tell you if it’s worth filing an insurance claim.
Be careful to choose a contractor that is licensed, insured, and has a reputation of following through with their work. Companies that don’t have a real office in your area, or try to make you sign a contract on the spot are usually not the type you want to work with.
2) Call the Claims Department, NOT Your Agent
Your Agent is just a salesperson meant to keep your account active and paid. They do not handle the claims, the claims department does. Your agent may really care about you and want to know what’s happening, but they have no control over the claim – if, when or how it gets paid.
3) Have a Local Contractor Work with the Insurance Adjuster
The insurance companies adjuster works for the insurance company and is only focused on the insurance company’s interests. Having a local contractor present will ensure that all of the damage is recorded and accounted for. It really helps when you have someone there to represent you and your interests.
If you find the right storm damage contractor, the entire process is much easier. Your insurance company is more likely to approve a claim if a licensed local trusted contract is behind you. They can assist in filing the claim, performing the work, and wrapping it all up – making the claim process a breeze.
XL Contracting is always willing to come to your home for a FREE Inspection. Let us know if we can help.