In the aftermath of Storm Isha, some home and business owners now face the unfortunate task of evaluating the damage to their property. Storm is recorded as one of the top claim events when it comes to home insurance and some policyholders may not know what to do in the event damage to their property as a result of a storm. Here we provide you with a step by step guide of the process.
1. Insurance Policy Review
Contact our team to help you to review your insurance policy wording to ensure that any potential claim falls within the coverage limits and terms. Assuming your policy does cover storm damage, we will notify your claim to your insurance company to initiate the claims process.
2. Loss Assessment
Assess the damage to your property. Accurately and thoroughly documenting the damage is key to a successful claim. We recommend that you make a list of what has been damaged, taking photos and videos of the damage both inside and outside your property. Keep hold of any damaged items as they may need to be inspected at a later date. We can also appoint a loss assessor to act on your behalf to accurately quantify the impact of the storm on your property and negotiate the best settlement of your claim.
3. Documentation and Evidence
The insurance company will require more information from you to support the claim and may appoint a loss adjustor to visit your home or premises. Ensure you complete these forms as accurately as possible.
4. Repair Estimates
Obtain repair estimates from a reputable contractor. We recommend that you get the estimates in writing and follow your insurer’s instructions to ensure you are reimbursed appropriately. If your insurance company approve your claim, they will reimburse you to the limit specified in your policy.
The team at LHK are on hand to provide you with assistance should you require it. Submitting an insurance claim after a storm doesn’t have to be a stressful event. Our team will work with you to expedite the claims process and ensure that you receive reimbursement as quickly as possible to begin the repairs to your property.