When you experience an event that damages your home and property, you will need to know how to file a claim with your insurance company. The process is rather simple, and if you are well-organized, you will be able to file your claim in no time at all. Here are some essential steps to file a large home insurance claim in McKinney.
Call Your Agent
Calling your insurance agent should be your first priority. They will need to get the paperwork started right away. You will need to provide them with as much information about the event, the damage caused, and the state of your home as possible. As soon as your agent has the information they need, they will set you up with an adjuster.
Schedule a Meeting with Your Adjuster As Soon As Possible
Your adjuster will help you determine the amount of your claim and will be your primary person of contact when working through the claims process. You can help them do their job by not moving anything and taking as many pictures as you can. However, if not moving something around can risk further damage, you can move it away but take photos before doing so.
Secure Your Property
If your home has received substantial damage, you will want to secure it as best you can. Remove any valuables that are out in the open. Rent a storage unit to store your possessions while repairs are being made if you need to.
Find Alternative Housing
If your home is severely damaged, you may be forced to find alternative housing. This may be in a hotel room, or you could take a short-term lease in an apartment building. Your insurance policy will provide alternative living expenses for this type of scenario.
Document the Damages
Try to be as accurate as possible while reporting all of the damages. Be as truthful and complete as possible when documenting the damages to your property. Include as many pictures as possible to verify the degree of loss.
When it comes to replacing your items and making repairs, you will need to get estimates. If you have any questions, call your adjuster and have them go over everything with you. They can help you determine what amount you should be considering when purchasing new materials or furniture.
Start Repairing and Shopping
Once you have your estimates, you can start shopping around for the items you want to purchase and getting the damaged items repaired when you are ready to move back into your home. Most businesses will hold your items for a short period, but you may want to wait to place your order until you are ready to move back in. Keep a list of the items you want to purchase and their prices so you can continue to shop until you are ready to buy.
Living through a catastrophic event is easier when you can file a claim for homeowners insurance in McKinney to cover the damages. When you are going through a difficult time, contact our insurance experts at Pierce Insurance Group. We can guide you through the claims process and give you the help you need to stay on track. Before long, you will be able to move back home and get your house back in order.