Are you confused about how to file a property damage claim?
We know that it can be a bit confusing and difficult to navigate when you need to submit one of these claims. That’s why we’ve created a guide to help you understand what to do next.
Keep reading to learn about property damage claim mistakes and how to avoid them so you can get paid as fast as possible.
1. Not Documenting the Damage
One common mistake people make when filing a property damage claim is not documenting the damage properly. It can be a costly mistake, resulting in the insurance company denying the claim or only paying a portion of the damages.
To avoid this mistake, take photos or videos of the damage as soon as possible after the incident. If possible, include a scale in the photos or videos to show the size of the damage.
Be sure to keep all receipts for repairs or replacement items. And, if the damage was caused by severe weather, be sure to get a copy of the weather report as well.
2. Not Filing a Police Report
It is a crucial step in the process and should not be overlooked. Without a police report, it can be difficult to prove that the damage was generally caused by the other party and not by natural causes.
To avoid this, call the police immediately after you’ve been involved in an accident and ensure that they record everything you might need in filing a claim.
3. Not Speaking with Your Insurance Company
Your insurance company is there to help you through the process of filing an insurance claim and getting your property repaired. If you don’t speak with them, you could miss out on important information that could help you get your claim approved.
Additionally, not speaking with your insurance company could delay the repair process. To avoid these mistakes, be sure to call your insurance company as soon as you experience property damage.
4. Not Knowing What Your Policy Covers
Many potential mistakes can be typically made when filing a property damage claim, but a few are more common than others.
One mistake in a property damage case is not knowing what your policy covers. Make sure to review your insurance policy documents or speak with your agent to understand what is and is not covered under your policy.
By taking these simple steps, you can avoid common mistakes and ensure a smooth claims process.
5. Not Hiring a Public Adjuster or Personal Attorney
Not hiring a public adjuster or a personal injury attorney is one of the biggest mistakes you can make when filing a property damage claim.
Lawyers are experienced professionals who know the ins and outs of the claims process and can help you get the maximum settlement you are entitled to.
Without them on your side, you are at a severe disadvantage when up against the insurance company. Also, insurance companies have adjusters who work for them and their interests, not yours.
So, don’t make the mistake of going up against the insurance company alone. Hire a personal injury attorney to level the playing field.
Avoid These Property Damage Claim Mistakes Today
Make sure you avoid these property damage claim mistakes to have a seamless and successful claim. If you have any questions, be sure to ask your agent or insurer to avoid any surprises.
With a little planning, you will have successful claims that will be very useful for you in the long run.
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