While you await news from your insurance company regarding your claim — and once you have discussed it with your insurance company — you can make minor repairs to the damages if they cause a breach in your safety or basic comfort, assuming you have taken photographs of the damages and have sent them in, along with your insurance claim forms. Whether you do these minor repairs yourself, or hire a contractor to do them for you, make sure you keep any receipts so that you can submit them to your insurance company for reimbursement. Do not to allow contractors to do anything major or too expensive before you receive your insurance settlements because any amount that you pay above the amount of your settlement will not be paid to you.
Be sure you are present when adjuster from the insurance company visits your home to assess the damage and determine the amount of your forthcoming claims settlement. Contact a Public Insurance Adjuster Miami to help you file the claim and have them present when the adjuster from the insurance company makes the inspection. Make yourself available while the adjuster inspects the damage. If you are on site to answer questions and make any clarifications necessary that will help your claim go through faster. If you cannot be present during the inspection, your Public Insurance Adjuster can attend for you. Be sure to request a copy of the findings as soon as one is available.
How Will a Home Inventory Benefit Me?
There are many reasons to have a home inventory on file. In the case of a disaster, you need something to help you determine what to claim with your insurance company. It is very important to contact a public adjuster in the City of Miami to help you deal with your homeowners’ insurance company, and they need your homeowner documentation information to assist you.
How Do I Conduct a Home Inventory?
There are many ways to complete a home inventory. You can make a text list, you can take pictures of all the items, or you can compile a video. No matter which manner you choose to do your inventory in, make sure you capture all of the pertinent details that your insurance company will need in the case of a disaster.
What Information Do I Collect?
At the very minimum, you should have the name and model number of each item, along with serial numbers. It’s also advisable to keep original receipts on hand with your inventory so you can ensure that you will be paid the proper amount from the insurance company. Notes on age and condition may also be helpful.