Hurricane season is here. Should a storm come your way, you’ll want to be prepared. This involves more than putting together batteries and non-perishable items. It also means gathering paperwork and preparing yourself for filing insurance claims (should damage occur). A little time now may make repairs easier in the long run. Here are a few tips to help you in the process.
Read Your Policy
If a severe storm occurs, the cost of renovations and construction can add up quickly. Insurance can help, but only if your policy covers the damage. Before a storm rolls in, read through your homeowner’s policy, and consult your insurance agent about how to handle real estate insurance claims austin tx. You may need to add or change coverage. For example, hurricane policies do not always cover flooding. That would require a separate policy for rising waters. It costs more, but it may pay off after a storm.
Document Your Belongings
Grab your phone. Walk around your home. Take a video (or photograph) of each area. Be sure to capture images of even small objects. Should something occur to that area, you’ll need documentation of your valuables. Upload the film or pictures to a cloud so that it is available from any location.
After the system clears, inspect your home carefully. Issues may not appear right away. If you notice issues, call the claim’s department. At that time, an agent may start a claim and refer you to a restoration company. Get back out your camera. Document any areas that have problems. Again, save everything and email it to the agent assigned to your case. Anything that goes in the trash needs to be replaced. Insurance might compensate for it, but that requires evidence that it has been ruined. Don’t hesitate to regularly communicate and request updates from your agency.
Filing an insurance claim can be time-consuming. Prepare yourself ahead of time for what to expect. Then, (if needed) you’ll know how to fight for your repairs.