5 Things Your Insurance Company Wants You to Know About Restoration Claims
Filing a Restoration Claim? Don’t Miss These Key Insurance Details
Dealing with property damage can be overwhelming, and navigating the insurance claim process often adds to the stress. If you’re filing a restoration claim, understanding how your insurance company operates can make the experience smoother and improve your chances of a successful outcome. Here are five key things your insurance company wants you to know about filing restoration claims.
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Documentation Is Key
One of the most important things to remember when you’re dealing with property damage is that thorough documentation can make or break your claim. Your insurance company will require detailed records of the damage, so take plenty of photos and videos before starting any cleanup. Document the extent of the damage from multiple angles and keep an inventory of affected items, including receipts or proof of purchase if possible.
Additionally, save all your repair estimates and receipts. Your insurer will likely ask for this information to verify the extent of the damage and the cost of repairs. Good documentation ensures transparency and helps the claims process move faster.
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Your Policy Defines What’s Covered and What Isn’t
Insurance policies vary greatly, and what’s covered depends on the specific terms of your agreement. For example, water damage caused by a burst pipe might be covered, but flooding due to a natural disaster often requires separate flood insurance.
Understanding your policy’s limits, deductibles, and exclusions is therefore critical. If you’re unsure about what’s covered, contact your agent or review your policy documents. Being informed about your coverage can help you avoid surprises when filing a restoration claim.
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Mitigate Further Damage Immediately
Insurance companies expect policyholders to take reasonable steps to prevent further damage after an incident occurs. This means that if a storm blows a hole in your roof, you should cover it with a tarp as soon as it’s safe to do so.
Failing to mitigate damage could result in your claim being denied or reduced, as insurers may argue that the additional damage was avoidable. Be sure to keep receipts for any temporary repairs, as these costs may be reimbursable.
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Your Choice of Contractor Matters
After a disaster, it can be tempting to hire the first contractor available, especially if demand is high. However, your insurance company may have guidelines or recommendations for selecting a restoration professional.
Some insurers may even choose to work only with a network of approved contractors, because this can simplify their processes and ensure the work meets their standards. While you are not always required to use their recommended contractors, choosing a reputable professional with experience in insurance restoration can help prevent delays or disputes with your claim.
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The Adjuster Is Not Your Adversary
Insurance adjusters are often seen as gatekeepers to claims, but their role is to assess damage and determine fair compensation based on your policy. While it’s true that they work for the insurance company, they also rely on the information you provide to make their evaluations.
It is always recommended to approach your adjuster with a cooperative mindset. Provide them with all the documentation they need and ask questions if you’re unclear about any part of the process. If you disagree with their assessment, then you have the right to appeal or hire a public adjuster for a second opinion.
Let WrightWay Restore Your Home and Work With Your Insurance to Get Your Claim Approved
Filing a restoration claim doesn’t have to be a daunting experience if you understand what your insurance company expects. By following the above five tips in mind, you can streamline the process and increase the likelihood of a fair outcome.
Being prepared and proactive is the best way to protect your property and your peace of mind. If you’re ever in doubt, don’t hesitate to seek guidance from your insurance agent or a trusted restoration professional like WrightWay Emergency Services.
WrightWay Emergency Services is a full-service restoration company located in Venice, FL. We serve Manatee, Sarasota, Charlotte County, and beyond. If you have property damage, call us today at 941-541-4832 or click here to report a loss and we’ll work with your insurance agency to help ensure that your home is properly restored and your claim decision is fair.
