The times following a natural disaster can be very stressful, and you will want to recover the damages to your property and home as soon as possible. If a wildfire, accidental fire, windstorm, flood, hurricane, or earthquake damages or destroys your house, and you had the proper fire homeowners, flood, tenant’s homeowners, or condominium insurance policy to cover the loss, you will be dealing with an insurance adjuster to figure out how to resolve the damages incurred. While it may seem overwhelming following such a major disaster to deal with the various steps of insurance, it is important to know how to navigate the insurance process in order to mitigate your losses and recover your property. After all, this is why you pay your insurance company. It is important to be informed when going through catastrophe claims in order to get the compensation you deserve. Mutual Claims Services is an insurance adjuster in Miami experienced in dealing with hurricane insurance claims and other types of claim adjustments. Call us today for a free initial consultation to get the compensation owed to you.
Steps in the Claim Process
There are a few things to keep in mind when it comes time to file and resolve your insurance claim. First of all, you’ll want to know what types of damage are exactly covered by your insurance, so that you can make sure they cover the situation that has damaged your property. Then, find out how long it will take to process your claim so that you can make and file the temporary repairs needed. You will also need to find out if it is necessary for you to obtain estimates for repairs. While you should take some steps to protect your property from further damage, you should wait on making extensive permanent repairs until a claims adjuster such as Mutual Claims Services has visited your business or home and assessed the damages. You should also keep records and receipts of what you’ve spent on repairs.
Preparing For An Adjuster’s Visits In Catastrophe Claims
The more information you are able to gather about your damaged property, such as descriptions of items damaged in the disaster and the approximate date of purchase of these items and what it would cost to repair or replace them, the faster your claim can be settled so that you can be financially compensated by your insurance claim. In order to prove your loss, prepare a list of any items that were damaged or destroyed and save a copy for the adjuster, along with copies of any receipts of the damaged items. Don’t throw out these items until the adjuster has visited. You should also photograph and/or videotape the damage for a thorough recording.
Next, list the structural damage made to your business, home, or any supporting structures. The adjuster will take a look at this list and take note of everything you show them. Your electrical system should also be checked, and most insurance companies will pay for this inspection. It is important to be prepared for an adjuster so that you can get your claim resolved as soon as possible.
Contact Us Today
Mutual Claims Services in Miami is a top insurance adjuster for hurricane insurance claims as well as a variety of other catastrophe claims and insurance settlements. Call us today to have your insurance claim adjusted.