Saturday, July 30, 2011

how to handle a claim with your insurance for Hail Damage

After the recent band of hurricanes, many homes have suffered untold amounts of damage that will no doubt take months to repair. To be certain that your home will be protected in the event of future storm damage you need to get a homeowner's insurance policy that offers full coverage. It's best to choose an agency that will work directly with you to find a plan that fits your specific needs. In the North Dallas, Plano and Frisco areas, Tri-Star Insurance Professionals Inc. works as an independent agency to find you the best plan for the best price. If you are concerned about how to file a storm damage claim with your insurance company, there are certain steps you can take before filing the claim to make the process easier on both you and your agency.
Make a phone call: As insurance policies usually place a time limit on filing claims, you need to phone your agent immediately to find out what that limit is and what needs to be done before filing the claim. Ask questions pertaining to the amount of coverage on your policy and whether or not you will need to obtain estimates for repairs to structural damage, which is also a great way to find out if your claim exceeds your deductible.
Report any crimes: If your damaged home as been vandalized in any way report it to the authorities immediately. Get a copy of the police report as well.
Do-it-yourself repairs: You can be proactive by making temporary repairs to protect your property from further damage. Remember to save receipts for money spent and submit them to your insurance agency for possible reimbursement.
Inventory damaged goods: In order to substantiate your loss, avoid trashing damaged items until an inspector has paid you a visit. Create an inventory of all household items if possible. Photographing the damage is a smart way to retain evidence.
Obtain claim forms: After you have notified your insurance agency about your claim, make sure they send you the necessary claim forms before your time limit has run out. Quickly return the filled out forms in order to avoid delays.
Get an inspector: As it is very important to have a professional examine your home for damage, your insurance company will most likely arrange for an adjuster to look over your property.
Relocate with receipts: If your home is so damaged that you need to find a place to stay while repairs are being done, keep a tab of any additional expenses you accrue while living elsewhere. Almost all homeowner’s insurance policies have coverage for the “loss of use” of your residence.
After you and your insurance agency see eye to eye on the terms of your settlement, you should be sent payment promptly.

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