November 22, 2017

More reasons why not to try and settle your Property Damage Claim Yourself

Flood damaged house

Do you know if you have flood coverage?

In a recent article by Lynnette Khalfani-Cox, Insure.com, 8 items are listed in the “do’s and don’t’s” following filing your insurance claim. They are:

  1. Don’t be too quick to clean up – Insurance companies need to see the damages and the evidence of your claim. save everything that you may want to claim.
  2. Prevent further property damage – While not cleaning up too quickly, you also need to prevent more damage.  Protect what is left while not getting rid of any of the damaged materials.
  3. Protect receipts and photos – these will be your proof of what you had and what you are asking for
  4. Find a witness to the cause – if there was a local wind or hail storm – having someone else to confirm this event may prove useful.
  5. Stick to the facts – don’t try and add items to “make up” for items you cannot remember.  It’s better to submit a supplement later than to risk the whole claim by overstating any item.
  6. Don’t let your contractor negotiate your insurance claim – the contractor is most likely not looking out for your interests.  And it’s ILLEGAL in some states.
  7. Don’t sign a release on your insurance claim – once you sign the release you may not have any rights.
  8. Be cautious when cashing insurance checks – Some checks  may be labelled as “final payment”.  This may or not be legal in your area.  Ask before you sign and cash these checks.
As always, feel free to call and have us give a free claim evaluation.
(855) 757 – APLS

Read the whole article.

http://www.insure.com/home-insurance/home-insurance-claims-mistakes.html

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