Avoiding Insurance Policy Problems

insurance-policyA common issue that homeowners dread when they first realize that they incur water damage or fire damage is dealing with insurance policy problems. Nothing is worse than hearing from your insurance agent that they are not sure whether or not they will be able to cover the damage that was done to your home with the policy that you were issued. Though a little bit of grumbling is to be expected from your average insurance company, there are ways to minimize the amount of problems that you incur when you file a claim. Here are some great tips for those about to battle an insurance company.

  • Take pictures of the damage. The key to making sure that companies reimburse you for water damage is to take photos of the damage as soon as you notice it. The more documentation you have of the incident, the better off your case will be.
  • Get as much information about the damage as possible, and record it all before you even start working on the forms for the insurance claim.Documentation is important for any successful claim.
  • Call the insurance company as soon as you see the damage.Insurance companies need to get a heads up as soon as damage happens, mainly because it kind of forces them to helping you get as much reimbursement as possible. Some important forms might even have deadlines, so it’s important to get started as soon as possible.
  • Fill out whatever forms your agent gives you as thoroughly as possible, and make sure that it is done correctly. Insurance agencies are notorious for demanding that every single detail is perfect. Read the form instructions carefully, and if you have any doubt as to whether or not you have filled them out correctly, ask your agent.
  • It’s always wise to get an insurance policy that offers good coverage on water, sewage, and fire damage alike. This is one of those situations where an ounce of prevention can be more than equal to a pound of cure. A homeowner’s insurance policy that doesn’t have adequate coverage for flooding or fire might seem like a bargain, but when water damage happens, it won’t seem like such a great buy. After all, your policy will not reimburse you for things it doesn’t cover.
  • If you are still having a lot of issues with your insurance policy, get a claims adjuster and a lawyer. As bad as it is to hear, some insurance companies really won’t pay without a fight. If you need to fight, put up your dukes and start getting other professionals on your team to help you out. You should never have to face major charges that should be covered by your policy.

Insurance policy problems are common, but you shouldn’t have to deal with too many issues if you can prevent them. With a little forethought and understanding into the insurance claims process, you can figure out how to get your reimbursement as soon as possible.

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