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When Disaster Strikes:
Some Do's and Some Don'ts
Frank Gothard
When disaster strikes, it can be overwhelming and scary for homeowners. Luckily, there are a few simple steps you can take to help make the insurance claims process easier and more efficient.
DO:
Make sure to document the damage as thoroughly as possible, including taking photos and/or of the affected area. This will help you provide a clear picture of the extent of the for your insurance company.
Be proactive by contacting your insurance provider as soon as possible after the incident. Many insurance companies have strict timelines for filing claims, so it's important to act quickly to ensure that you get the coverage you need from your policy.
Gather any relevant documentation or records related to the damage, such as receipts or estimates from contractors or repair professionals. This can help speed up the claims process and show that you are serious about repairing any damages done to your property.
DON'T:
Don't attempt to clean or repair any damage to your property before consulting with your insurance provider. It's important to remember that insurance claims are based on the state of your property at the time of the incident, so taking matters into your own hands could negatively impact the amount of coverage you receive.
Don't wait until you have accrued a significant amount of expenses related to the damage before filing an insurance claim. Not only will it take longer for your claim to be processed, but you may end up having to dip into savings or other financial resources in order to cover these costs in the meantime.