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Adjusting to Disaster: A Claim Filing Checklist

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Adjusting to Disaster: A Claim Filing Checklist

  1. 1. DO Check to see if you’re covered. Many homeowners mistakenly believe their regular homeowners insurance covers flood damage, which is separate coverage. However, filing a claim for which you’re not covered still can be counted against you. Pay attention to your claim history. If you’ve filed a claim within the past two or three years, filing another claim so soon could cause your insurer to consider you higher-risk and hit you with higher premiums. Get help if you’re rejected. If your claim is rejected and you believe it should have been accepted, you can seek legal consultation or have a third-party adjuster evaluate your claim. You may be able to dispute the rejection and get the coverage you need. Read and understand your policy. Knowing what’s in your policy can help you know when to file a claim and when it will be more trouble than it’s worth. You don’t want to find you’re making a mistake after receiving your latest bill. DON’T File claims for home improvement projects. Replacing your roof or windows may be a good idea for keeping your home protected from damages, but that doesn’t mean your homeowners insurance should be paying for it. Paying for such projects out of pocket not only keeps your claims history clean but also means you could benefit from lower premiums by keeping your home well-maintained. File if your claim won’t exceed your deductible. Not only will this result in your claim being rejected, but it also will negatively impact your claims history and make you a higher risk in the eyes of your insurer. File for damages caused by a maintenance issue you didn’t address earlier. If you’re putting off fixing your old roof until that dead tree branch falls onto it, don’t count on your insurance to help you. Filing claims that you could have avoided only hurts your claims history and results in higher premiums. Be out when the adjuster is there. Unless you absolutely can’t, you should be at your home when the adjuster arrives to inspect the damage. You may not be able to influence the adjuster’s decision, but it’s important to be present and pleading your case all the same. ADJUSTING TO DISASTER: A CLAIM FILING CHECKLIST www.expertpublicadjusters.com Here are some important tips to consider before filing a homeowners insurance claim

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