When you have to file a home insurance claim, it’s important to understand as much as possible about what to expect. Otherwise, you could end up getting less money than you should for your claim. Keep the following information in mind when you’re preparing an insurance claim for your Ellijay home.
Go Over Your Policy
Before filing a claim, take time to thoroughly go through your insurance policy to see what it covers. You should understand what is included in your coverage and what it does not include, such as flood damage. This helps you get a better idea of what you can expect to get from the insurance company after filing a claim.
Gather Evidence
Your home insurance company will need to see proof of the damages you’re including on your claim. In order to do this, make sure you take photos of all items or parts of your home that have been damaged.
Take Inventory
Be prepared to make a thorough list of everything that was damaged. When you make this list, make note of how old each item is, how much you paid for it and how much you would need to pay to replace it.
Challenge Rejections
If your claim is rejected, that doesn’t mean that the damage definitely isn’t covered. Get in touch with your insurance company and ask for more details on the rejection and your policy. Your insurance company might find that certain causes of damage or other factors are actually covered in your policy.
Save Repair Receipts
It’s important to make temporary repairs as soon as possible to reduce risk to your home, such as fixing broken windows. Save the receipts and other documents from these repairs, and submit them to your insurance company for reimbursement.
Whether you have water, fire, mold or storm damage in your Ellijay home, Parker Young can help. We provide high-quality disaster repair services in Ellijay, GA.
