Video Transcript
A lot of homeowners assume when they have an insurance claim that it’s an easy given process to follow the claim through and adjust the loss. And my experience is quite often times, that’s true. But as many as often as 30 or 40% of the time, it’s very inconsistent and the outcome can be very, very different.
It’s not a given. It’s not black and white and homeowners if they are not extremely knowledgeable themselves and in a position to know what could and should happen. The process and advocate for themselves, then things can go very wrong. And oftentimes the homeowners won’t even realize that it could have or should have been different.
They just think it what is is what is? And and just accept it. You need to hire someone of your own choosing not an insurance company’s preferred vendor that’s loyal to the insurance company. And someone that’s in a position to help look out for your interests, advocate for you if necessary and help the process along because the adjusting process is not black and white and is anything but consistent.
Waiting To Start Water Damage Cleanup Is A Mistake
There are many reasons why you might want to wait to start the clean up process for water damage in your home. You might be waiting for insurance adjusters and claim forms, you might think that it’s too soon after the flood to start the clean up process, or you may even be waiting for a contractor. But if you wait too long, you could further damage your home and belongings, which will only make the costs of repairs go higher.
The longer that water sits in your home after a flood, the more it can do damage. Standing water attracts bugs and mold. Sometimes it can also cause wood to warp or drywall to swell. The longer that you wait before starting clean up, the higher your potential damages will be.
If you have experienced water damage in your home from a flood or other source, call us today at 801-335-3227. We can help get rid of mold and mildew before it causes further damage to your home.
The idea that you can wait to start the clean up process for water damage might sound like an attractive proposition. After all, it’s not every day that your home becomes a breeding ground for mold and all kinds of unsavory microorganisms. The problem is that once you’ve been exposed to the contaminated air in your home, the damage has already been done. You’ll be able to breathe easier if you get started on the clean up process as soon as possible.
The best way to deal with an insurance claim for water damage in your home is to have an expert on your side representing you. Water leaks are not always noticed immediately, and can sometimes go undetected for days or even weeks before being discovered, which means that it’s important to act fast when you do discover a leak. The longer the leak goes undetected and unchecked, the more damage it may cause to your property, so be sure to look out for any signs of water damage as soon as possible. You should also be sure to follow up with your insurance company as soon as you notice the leak or receive notification of a claim—they must understand that you are aware of the problem and intend to address it promptly.
When your home encounters water damage, you want to make sure that your insurance company is on your side—and that you’re getting a fair settlement. There are two main mistakes you can make when dealing with an insurance claim for water damage in your home:
-Not knowing how to adequately document the damage and its cause
-Going through the claims process without a professional advocate
FAQ’s
What type of disasters does my insurance policy cover?
The type of disasters covered by your insurance policy largely depends on the specifics of your individual policy. Generally, policies cover damages from certain natural disasters like fires and storms. However, damages from floods or earthquakes might not be covered unless you have specific flood or earthquake insurance. It’s best to check with your insurance agent or company for the exact details.
How do I file a claim for a disaster?
Filing a claim typically involves several steps. First, contact your insurance company as soon as possible to report the damage. They may offer the option of filing a claim online or over the phone. Make sure to provide a thorough account of all damages, including photographs or videos if available. Your insurance company will then send an adjuster to assess the damage and estimate the cost of repairs.
What documentation do I need to provide when filing a disaster insurance claim?
When filing a claim, you’ll typically need to provide proof of loss. This documentation can include photographs or videos of the damage, receipts for damaged items, and any relevant repair estimates or invoices. The more documentation you can provide, the better your chances of settling your claim satisfactorily.
How long does it take for a disaster insurance claim to be processed?
Processing times for disaster insurance claims can vary greatly depending on the scale of the disaster and the number of claims the insurance company is handling. Generally, it could take anywhere from a few weeks to several months. Your insurance agent can provide more specific timelines based on your particular situation.
Will my insurance rates increase if I file a disaster claim?
Filing a disaster claim can potentially increase your insurance rates, but this depends on the nature of the claim, the extent of the damage, and your insurance company’s policies. It’s best to consult with your insurance agent to understand the potential impact on your premiums.
What is the maximum amount I can claim for a disaster insurance claim?
The maximum amount you can claim depends on the limits set in your policy. This usually includes a limit for the structure of your home, your personal belongings, and any additional living expenses if you’re displaced from your home due to the disaster. Your insurance company will be able to provide the exact figures based on your policy.
Will my insurance policy cover temporary housing if my home is damaged in a disaster?
Most insurance policies include coverage for Additional Living Expenses (ALE) or Loss of Use, which covers temporary housing and related expenses if your home is uninhabitable due to a covered disaster. Again, it’s best to clarify this with your insurance agent or company.
How do I appeal a denial of my disaster insurance claim?
If your disaster claim is denied, you have the right to appeal. The first step is to review the denial letter from your insurance company, which should outline the reasons for denial and the process for appealing. You might need additional documentation or to get an independent appraisal. If the appeal with the insurance company is unsuccessful, you can also file a complaint with your state’s insurance commissioner.
Will I need to hire a public adjuster to help with my disaster insurance claim?
Hiring a public adjuster is not required but can provide assistance, especially for large or complicated claims. Public adjusters work for you (not the insurance company) and can help assess damage, file claims, and negotiate settlements. However, they do charge a fee, usually a percentage of your claim settlement, so weigh the cost against the potential benefits.
Can I receive compensation for lost wages as a result of a disaster?
Generally, standard property insurance policies don’t cover lost wages. However, if you have additional coverage like business interruption insurance (for businesses), it may cover lost income. If the disaster is declared a federal disaster, FEMA offers disaster assistance that may cover lost wages. Always consult with your insurance agent to understand your complete coverage.
Facts About Disaster Insurance Claim
- A disaster insurance claim is a request made by an individual or business to their insurance company for financial compensation after experiencing a disaster-related loss or damage.
- It is important to document the damage thoroughly by taking photographs or videos, as well as keeping records of any expenses incurred as a result of the disaster.
- Contact your insurance company as soon as possible to report the claim and provide them with all the necessary information and documentation.
- The insurance company will assign an adjuster to assess the damage and determine the amount of compensation you are eligible to receive.
- It is crucial to review your insurance policy to understand the coverage and exclusions related to disaster claims.
- Keep track of all communication with your insurance company, including phone calls, emails, and letters, as well as any promises or commitments made by the company.
- Be prepared to provide additional documentation or information requested by the insurance company during the claims process.
- If you encounter any difficulties or disputes with your insurance company regarding the claim, consider seeking legal assistance to protect your rights and ensure a fair resolution.
- Remember to follow up with your insurance company regularly to stay informed about the progress of your claim and any updates or decisions made.
- It is important to be patient throughout the claims process, as it can take time to reach a resolution, especially in complex disaster-related cases.
When water damage strikes, you need to call Bio Clean of Utah. Bio Clean of Utah specializes in restoring residential and commercial properties that have been damaged by water. Whether it’s a leaky roof or a plumbing emergency, call us for help. Our company has been serving the Utah area for over 29 years and is ready to help you 24/7.
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