Filing a residential property insurance claim involves proving the damage to your property. The insurance company needs clear evidence to determine the extent of the damage and how much compensation is appropriate. Gathering thorough documentation and understanding how to present it will increase the likelihood of a fair settlement.
Document everything immediately
After experiencing damage, take photos and videos of everything. Capture the damaged areas from multiple angles, including close-up shots of affected items and structures. If the damage includes water, mold, or fire, document the areas with specific details about the source of damage. Quick documentation provides a solid foundation for your claim.
Keep a detailed inventory of damaged items
For personal property claims, create a list of damaged belongings. Include descriptions, the original value of each item, and the condition before the damage occurred. If possible, provide receipts, appraisals, or other proof of the items’ value. The more specific the inventory, the stronger the evidence in your claim.
Get repair estimates
Before repairing any damage, gather estimates from qualified professionals. This is especially important for structural damage, plumbing, or electrical work. Professional assessments can demonstrate the severity of the damage and help ensure the repairs align with industry standards. Avoid making any repairs before getting approval from the insurance adjuster unless it’s necessary to prevent further damage.
Hire an independent adjuster
In cases where an insurance company’s assessment seems too low, consider hiring an independent adjuster. They can provide a second opinion and offer a more accurate estimate of the damage. Independent adjusters understand the intricacies of claims and can help ensure the full extent of the damage is recognized.
Documenting damage thoroughly and involving experts when needed will strengthen the case for a fair and accurate residential property claim settlement.