No matter which way you slice it, having to file a property insurance claim isn’t fun. That said, the process doesn’t have to be a huge headache and a total time suck for you. Follow these four tips for handling your insurance claim like a boss and kicking stress to the curb.
When you file an insurance claim, you have two options: one is to use the insurance adjuster that your insurance company provides and the other is to hire your own public adjuster. Investing in a public adjuster can come along with a variety of benefits, including making sure you’re getting the maximum amount of money you’re owed.
You are going to very quickly build up a stack of receipts and paperwork for your property insurance claim. Keep a copy for yourself, and then hand them over to your public adjuster to keep organized and make sure that everything gets filed as quickly as possible.
If you’re filing a property insurance claim, make sure you have plenty of documentation demonstrating relevant structural damage orwater damage, as well as paperwork and other details related to your claim.[pullquote]Most insurance policies will cover the cost to remove a tree that fell on an insured structure, up to about $1,000.[/pullquote]
Don’t get lost in a sea of disorganized emails, text messages and phone exchanges. Keep logs of all communication you have with your insurance company, contractors and public adjuster regarding your claim.
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