What Are Tips for Dealing with a Homeowners’ Insurance Company?

You may pay a significant amount of money towards your homeowners’ insurance policy each month. With this, you may expect to be covered when the time comes that you need it (i.e., you incur damages on your property due to no fault of your own). However, most homeowners’ insurance companies are notorious for giving their policyholders a hard time when it comes time to administer payouts. So you may unfortunately experience the same when facing your homeowners’ insurance company. Follow along to find out some tips for dealing with an insurance claim and how one of the proficient New York property damage attorneys at The Law Office of Craig A. Blumberg can fight for your rightful payout.

What should I do immediately following my property damage incident?

You must not give your homeowners’ insurance company any reason to reduce or flat-out deny your property damage claim. This means that you must take proactive steps toward an undisputable claim in the immediate moments following your property damage incident. Such steps are as follows:

  1. You must take photos of the damaged property that you need to be repaired or replaced. This is along with cataloging labels, model numbers, etc.
  2. You must not assume the damaged property will improve over time and wait too long to file. This is so that an insurance adjuster cannot question its connection to your claimed incident.
  3. You must temporarily repair the damaged property (i.e., board up a broken window). This is so that an insurance adjuster cannot claim you created greater monetary damages for yourself.
  4. You must save receipts of the cost of your temporary repairs and the estimated quotes given by independent contractors.

What tips should I follow when finally facing my homeowners’ insurance company?

When it comes time to fill out your property damage claim, you must avoid making errors or succumbing to any pitfalls at all costs. Without further ado, it is in your best interest to follow the below tips:

  • You must provide a comprehensive description of what your needs are, what you are requesting, and what your rights are in making such a request.
  • You must reference a copy of your insurance policy. This is so that you may confirm that your property damage incident may be covered in the first place.
  • You must calculate an accurate number for the amount of monetary damages you incurred. This is so that you may not be accused of exaggerating or padding your claim.
  • You must not approach your homeowners’ insurance company unaided by a legal representative. This is in case negotiations ensue or documents are asked to be signed.

So even if you are only considering an insurance claim, you must first consult one of the talented New York property damage attorneys from The Law Office of Craig A. Blumberg. Contact our firm today.