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 After a severe storm, homeowners check their house for any damage. For every bit of damage they find, the insurance claims can pile up. While you expect to have the support of your insurance company whenever tragedy hits your house, you might wonder why there are so many underpaid, denied, or delayed claims. These cases usually happen because policyholders do not have enough understanding about their home coverage. Know what you are entitled to; here are considerations to take when filing a claim:
1. Make it a point to review and understand your coverage. Do it in advance so you have an idea of what to expect when a disaster occurs. If you have no clue whatsoever about the homeowner's policy that you buy, it is better to seek the help of a professional agent. The agent can interpret the terms and clauses in your policy that seem to be ambiguous. 2. Make use of your mobile device to capture the scenario. The advent of cell phones and digital cameras make it easy for you to document before and after the incident. If there is a storm watch, take pictures of your home including the roof, walls, ceiling, windows, and so on. Insurance often do not acknowledge claims, in which the damages are caused by wear and tear, or pre-existing ones. 3. Do your own temporary repairs. You can wait for an insurance adjuster to repair and replace your home damages, but this may take too long. Start making your own fixing. Deal with the leaking roof or broken windows. Some insurers deny a claim because the homeowner waits for the adjuster to address the issue. 4. Do not make assumptions. A claim that is denied initially may mean differently in the policy. For example, a homeowner's claim was denied because the reason for the damage was mold. However, if water damage or leak brought about the mold, on can be included in the coverage. 5. Consider fighting for your claim. If making claims seem to be giving you a hard time, and problems increase each time, you can choose to file a counterclaim. If you believe you have a chance at winning, then prepare for battle. Also, many states require insurance firms to provide reimbursement if the initial claim is proven to be insufficient. As a homeowner and a policyholder, do you know if you are getting full compensation from your homeowner's insurance plan? Make sure you do because you may need to file a claim sometime in the future. At Cornerstone Insurance Agency, we work hard in making sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (888) 661-8831 or Click Here to request a free quote.
12 Comments
5/28/2019 08:29:08 am
I appreciate your suggestion to review and understand my home insurance policies so I know what to expect in the case of a disaster or emergency. My husband and I are looking into buying our first home and have been researching home insurance policies to know exactly what we're getting into. Neither of us is well-versed in insurance policies, so we will definitely have to consider your suggestion to have an agent review our policy and terms once we get to that point. 2/26/2021 12:02:32 am
I appreciated it when you shared that it is important to document all the damages by using your mobile device. This will help in increasing the success rate of your claim process. I would like to think if a homeowner is thinking of making a home insurance claim, he should document the evidence and look for a reliable service that can help provide estimate writing. 7/12/2022 09:52:49 pm
I appreciate that you explained that you should check your home after any disaster. My spouse informed me yesterday that she was planning to have a home insurance plan that covers liability for any property damages, and she asked if I had any idea what would be the best option in choosing the best plan for us. I appreciate this helpful article, I'll be sure to consult a trusted insurance agency as they can provide more information for the best coverage for us. 7/28/2022 01:24:25 am
I liked how this post shared that an insurance adjuster may take time to repair and replace your home damages. My friend told me that his claims need adjustment. I should advise him to look for a commercial adjuster that can provide a quick response. I appreciate when you pointed out that we should read the policy and even seek an agent to help us understand the document. I will do that when I buy a house next year and get it covered to protect my investment. It will definitely give me the assurance that I will not worry when disasters happen in the future, especially when a home insurance agent would be giving the best coverage according to my budget. 10/10/2022 09:33:28 am
Thanks for explaining how a home can be reimbursed by an insurance firm if they get an insurance claim or if the initial claim is proven insufficient. My cousin has been thinking about getting an insurance claim for her home because it was seriously damaged by a giant storm that swept through last week. She would really like to get some help from a professional to make sure that she gets the reimbursement she needs. 10/18/2022 06:42:50 am
I want to make sure that I get the right home insurance for me. It makes sense that doing my own repairs would be worth looking into. That seems like a good way to ensure that I organize things correctly. 11/14/2022 07:10:41 am
It really helped when you explained how we should consider fighting our home insurance claim if we got our claim denied. Last week, my aunt's house got damaged during a storm, and she says that her insurance should cover all of the repair costs, so I think she'd benefit from reading your article. Thank you for the tips on how we'd increase our chances of winning our insurance claim. 11/30/2022 04:09:04 pm
Thank you for explaining that it's important to document the scenario. I wouldn't have thought to take many pictures if I needed to make an insurance claim. I'll be sure to remember this if I ever need to use it. 12/26/2022 12:58:48 am
I appreciate when you explained that we should review the coverage with the help of an agent to ensure that we understand everything. I will follow your advice now that I plan to finally buy my own house next year. So I should start looking for an insurance company with a good reputation and ask for their rates to see if they are within my budget. 2/1/2023 07:41:44 pm
I like that you said that you should consider understanding your coverage to have ideas on the best solution for potential risks. My wife told me a couple of days ago that she was planning to have a homeowner's insurance plan that covers liability for any potential property damages. She asked if I had any idea what could be the best option in choosing the best plan for us. I love this enlightening article. I'll consult a trusted insurance agency as they can provide more information for the best coverage for us. 2/2/2023 07:36:18 am
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