If you’ve just suffered a disaster and your home has sustained significant damage, your head is probably spinning with everything you need to do. One of those things may be filing an insurance claim. This can seem daunting, but we will try and make it a bit easier to understand.
This post will explain the insurance claims process for home restoration. We’ll review each step so you know what to expect, and the process goes as smoothly as possible.
Connect with Your Insurance Claims Officer
First, connect with your insurance claims officer. Contact them throughout the process to help you gather all necessary documentation. You’ll need to provide them with a detailed account of what happened, so take some time to write this out before your meeting. It’s also helpful to compile any photos or videos you took of the damage. Your insurance claims officer will also need to see a copy of your policy to verify your coverage. Once they have the information, they will start working on your claim.
Schedule a Damage Inspection and Let the Investigation Begin
An adjuster will visit your home and inspect the damage. They will take pictures and ask you questions about what happened. This is all part of their investigation into your claim. Once they have enough information, they will submit a report to the insurance company.
They will Review Your Claim and Policy
The next step is for the insurance company to review the adjuster’s report and decide if they will approve your claim. If they do, they will send you a check for the amount of your coverage. They will send you a letter explaining why if they deny your claim.
At this point, you can either accept the denial and move on or appeal the decision. If you appeal, you must provide more information to the insurance company. They will then review your case again and make a final decision.
Your Payment will be Processed
If your claim is approved, start repairing or rebuilding your home. The insurance company may give you a list of approved contractors that you can choose from. After you select a contractor, they will start the work.
Once the work is completed, the insurance company will send you a final payment for any remaining balance on your claim. This is typically the point where the claims process ends.
How Do I Appeal if My Claim is Denied?
If your insurance claim is denied, you have the right to appeal the decision. To do this, you will need to submit a written request to review your case. Include any new evidence or information that may change your claim’s outcome.
Work with a public adjuster or an attorney to make a strong appeal. You can take your case to court if you are still denied after the review.
The insurance claims process can be confusing and overwhelming. But by understanding your rights and working with a professional, you can get the money you need to restore your home.
Iron City Construction LLC, serving Hillsborough County, is a full-service general contracting and construction management firm specializing in insurance restoration. We have been repairing, remodeling, and rebuilding properties for years. We provide optimum customer service and quality craftsmanship and take pride in our attention to detail.
We understand that restoration insurance claims can be stressful and confusing. We aim to make our clients’ restoration process as smooth and stress-free as possible. We will work closely with your insurance company to ensure that your claim is handled efficiently and correctly.
Call Us Today!