The Dallas, TX area is no stranger when it comes to natural disasters. After a sudden hailstorm, a severe flood or a tornado wrecks your home, filing a home insurance claim is the first step to putting your home and your life back together.
Here are some of the basic steps, courtesy of State Insurance Solutions, you’ll need to go through when making your home insurance claim:
Document and stabilize the damage.
Take pictures of the damage done to your home and itemize all of the belongings that were lost or damaged in the process. You can also make temporary repairs (such as boarding up broken windows or placing a tarp over your roof) to prevent your home from being damaged further, but remember to save all of your receipts.
Get in touch with your insurance agent.
The clock starts ticking on your claim after the damage is done. In most cases, you’ll have up to a year from the date your home was damaged to file your claim. Contact your agent as soon as possible to get started on your claim.
Meet with the claims adjuster.
A claims adjuster from the insurance agency will inspect the damage to your home and provide an estimate of the repair costs. If your home is a total loss, you’ll get an estimate of the replacement costs for your home. You’ll also have a chance to ask questions and take notes.
Be prepared to negotiate.
If the claim adjuster’s final estimate fails to adequately cover all of the damage to your home, you may need to negotiate. Fortunately, the photos and other documentation should help you achieve a fairer estimate.
The experts at State Insurance Solutions can help you find the right policy that suits your Dallas, TX home best. Get in touch with us today to get started.