Your homeowner’s insurance policy protects you from massive financial losses that disasters, such as wind and hail, can bring to your home. With coverage, you can make certain that you’ll receive money from your insurer to cover the destruction these phenomenon cause.
Before you receive a settlement check though, you still have to follow procedures that will satisfy the contract’s terms and conditions. The first step is to file a claim. Soon after a recent wind-related disaster wreaked havoc to your home, you should contact an insurance company like United States Adjusters to file a wind damage claim.
Proof of Loss and Adjuster’s Visits
After speaking with your insurer, the company representative most likely told you to complete a form called “proof of loss.” This documents the types and extent of the damages your property sustained as well as the other losses incurred due to the windstorm or hail. It’s important you fill this out properly and thoroughly, as your insurer will also use this as a basis for the settlement amount.
Also, your provider may also have told you about an adjuster’s visit. This is particularly the case when the recent disaster resulted in the destruction of many homes, leading to a considerable number of homeowners insurance policy holders filing a claim. You should prepare yourself for this visit since it can contribute significantly to shortening your settlement wait time.
Insurance Adjusters: Damage Assessment Experts
The core responsibility of insurance adjusters is to assess properties that insured perils have destroyed or damaged. These people have completed rigorous training and carry licensure which gives them the qualifications to accurately determine the extent of damages, as well as the cost of repairing or rebuilding.
Enlisting Your Own Adjusters
Whether your house suffered from wind-ravaged structural components or massive hail damaged-roof, know that it is your every right to receive coverage for their repairs. However, this doesn’t mean that you’ll have an easy time during the settlement process.
So to ensure the faster processing of your file, consider having your own adjuster to help and guide you throughout, while also making certain that the settlement you receive is indeed adequate for all the losses you sustained.