When disaster strikes, the aftermath can feel chaotic and overwhelming. Knowing the proper steps to take when filing an insurance claim can make all the difference in ensuring you receive fair compensation for your losses. At Willis, Willis & Willis Public Adjusters LLC, we specialize in guiding homeowners and business owners through the claims process. In this blog, we’ll walk you through what to do after a disaster to protect your property, rights, and finances.
Step 1: Ensure Safety First
Before assessing any damage or contacting your insurer, prioritize safety for yourself and your family.
- Evacuate If Necessary: In events like fires or earthquakes, leave the premises if it’s unsafe to remain.
- Contact Emergency Services: Call the fire department, police, or other authorities as needed.
- Wait for Clearance: After major disasters like tornadoes or earthquakes, wait for local authorities to declare the area safe before returning.
Step 2: Document the Damage
Accurate documentation is critical for your insurance claim.
- Take Photos and Videos: Capture clear, high-quality images of all damages, including structural issues, damaged belongings, and debris.
- Create a Detailed Inventory: Make a list of damaged or destroyed items, including their approximate value and purchase date.
- Preserve Evidence: Avoid discarding damaged items until your insurer or public adjuster has inspected them.
Step 3: Review Your Insurance Policy
Understanding your policy is essential for knowing what’s covered and how to proceed.
- Check Coverage Details: Verify coverage for specific disasters like fire, floods, or earthquakes.
- Note Deductibles: Know your deductible amount and whether it applies per incident or per year.
- Understand Policy Exclusions: Be aware of any exclusions, such as lack of flood coverage in a standard homeowners’ policy.
For example, damages caused by flooding may require separate flood insurance. Learn more about water damage claims on our Water Damage Claims page.
Step 4: Notify Your Insurance Company
Prompt notification is critical for ensuring your claim is processed efficiently.
- Contact Your Insurer: Notify them of the damage and intent to file a claim.
- Request a Claim Number: Keep this handy for tracking your claim status.
- Follow Up in Writing: Always confirm phone conversations with written correspondence to create a paper trail.
Step 5: Mitigate Further Damage
Most policies require property owners to prevent additional damage after the initial incident.
- Board Up Windows: Secure broken windows to prevent further damage from weather or vandalism.
- Tarp Your Roof: Cover any holes or exposed areas with a tarp.
- Save Receipts: Document any expenses incurred for temporary repairs, as these may be reimbursable.
Step 6: Work with a Public Adjuster
Hiring a public adjuster early in the claims process can significantly improve your chances of a fair settlement.
- Expert Guidance: Public adjusters interpret your policy, document damages, and negotiate with insurers on your behalf.
- Maximized Compensation: They ensure all damages are accounted for, including hidden issues like structural damage or mold growth.
- Reduced Stress: A public adjuster handles the paperwork and negotiations, freeing you to focus on recovery.
For complex claims, such as those involving fire or earthquake damage, we recommend visiting our Fire Damage Claims page or Earthquake Claims page.
Step 7: Negotiate Your Claim
Insurance companies often aim to minimize payouts, making negotiation a critical step.
- Review the Initial Settlement Offer: Don’t accept the first offer without careful review.
- Provide Evidence: Use photos, repair estimates, and your adjuster’s findings to support your case.
- Appeal Denied Claims: If your claim is denied, a public adjuster can help you appeal and advocate for a fair resolution.
Step 8: Finalize Repairs and Rebuilding
Once your claim is settled, you can begin the process of restoring your property.
- Hire Reputable Contractors: Choose licensed professionals for repairs and keep all receipts and contracts.
- Monitor the Work: Ensure repairs are completed to your satisfaction.
- Document the Restoration: Take photos of completed work to demonstrate compliance with your insurance agreement.
Why Choose Willis, Willis & Willis Public Adjusters LLC?
From tornado damage to vandalism, we’ve helped countless California property owners recover after disasters. Our expertise, dedication, and commitment to fairness ensure you’re never left navigating the claims process alone.
Contact us today to learn more about how we can assist with your insurance claim.
