Making a residential property claim can be a long and tiresome procedure. Insurance companies are challenging, and you need to know how to handle the problem. Sometimes insurance companies might deny your claim for very flimsy excuses. In case of property damage, it is important to get the services of professionals.
The process of filing a residential property claim should be done professionally to avoid any mistakes. You should remember that insurance companies are always looking for excuses to deny your claim. Here are tips on making a residential property claim:
Make a report
In case of any damage to your house, the first step should be to notify your insurance company. The earlier you make a report to the insurance company, the better for you. Some of the companies are slow in their activities, and it is advisable to begin processing your claim as soon as possible.
Making a report early is also a good way to ensure that the evidence of damage is not compromised. Usually, the insurance companies will send a representative to assess the situation, and they should find the evidence of damage as fresh as possible.
Take inventory of damage
The insurance company is supposed to take an inventory of the extent of damage, but you should also take your inventory. It is advisable to get a professional to help you in gauging the extent of the damage. You need to compare your report with that of the insurance companies because they tend to underestimate the damage. The inventory report should be as detailed as possible to determine all the cost.
Do not attempt repairs
You should not attempt any repairs before you get approval from the insurance company. The company will offer you guidance on how to do it in the right way. when it comes to repairs, the insurance company will give you the go-ahead on how to do it in the right manner. Trying to do it on your own might cause issues with the company. The company will offer to do the repairs on your behalf or ask you to look for a professional to do it for you.
Secure the premises
It is important to make sure that you secure the premises before you move out. You can use a red tape around the area to make sure that no one interferes with the premises. Burglars and unauthorized people might try to take some of your belongings. Securing the place will protect your property until the process of repair starts.