Anyone who had to deal with insurance knows how hard is to apply for the money you rightfully deserve. Insurance companies are very stiff when it comes to paying out the premium, and thus you have to take some steps to ensure that they can’t shoot down your claim.
Basic steps in dealing with the insurance company
You have to possess a list of all things you lost to gain reimbursement for all of it. The best option is to hire a reputable fire restoration business because they will create a list of all items they were able to restore as well as a list of items that were beyond salvation. Present their document as well as a list of elements you already had and the insurance company won’t be able to reduce the reimbursement amount.You should also secure the remaining property to prevent further damage to it. This will prevent a creation of problems when it comes to payment of the premium. If you fail to do that and the remaining property succumbs to elements, then you won’t receive a bonus for it because you failed to mitigate the further damage.
Proper documents are the basis for your claim
Insurers will try to reduce the premium amount or to prevent its payment in any way that is possible. You can stop them from doing that with documents that will list all damages you suffered due to fire. This also includes all receipts from Fire Restoration Company and their analysis of the cost. Be sure to save all receipts from expenses you had to go through due to inability to live in your home and use items that are gone. The insurer will have to reimburse you for that because it qualifies as the loss due to fire damage.
Don’t wait for the insurance claim
File the allegation for insurance money as soon as the last ember dies down. Insurers are known to stretch the claim cases, and that isn’t good for you. Call them immediately and keep on pressing them if you want the money they owe you.