After a property loss, what should I know about filing a claim?
If you are subject to property damage due to a flood or some other disaster that is out of your control, there are a number of steps that you need to take in order to file a claim with your insurance company. It is very essential to make sure that you keep yourself organized and be aware of the necessary steps in order to have a successful claim. Some of the important information that should be organized includes having your policy on hand, having pictures and videos of your home prepared, and having a detailed account of the damage that was sustained.
If you are facing property loss after a disaster of some sort, you should make sure to file your claim with the insurance company as soon as you can. In preparing to do so, you should take pictures and videos before you begin the cleanup process so you can show the extent of the damage to your insurance company. You should also take an inventory of all of the items and property that were damaged in the disaster.
It is important that you keep very detailed records of every interaction with the insurance company that you have. If your home is unliveable, make sure you hold on to any receipts of your evacuation expenses. In addition, don’t make any permanent repairs on your home until the insurers have inspected the property and the damage. As crazy as it may sound, you should even hold on to any damaged personal items until the damage has been assessed by the insurance company.
If your insurance company is undervaluing the extent of the damage of your property after you have filed a claim, contact our firm today.
The Law Office of Craig A. Blumberg is an experienced New York City insurance law firm. If you require quality assistance after having suffered property loss, please contact our firm to schedule a free initial consultation.