Essential Steps for Maximizing Your Insurance Claim After Disaster
Ensure Accessibility: Keep Your Contact Information Updated
Make sure your contact details are current and answer calls promptly, even from unfamiliar numbers, to avoid delays in the process.
Document Damage: Capture Before Cleanup
Take detailed photos of the damage before disposing of anything during cleanup. Avoid saving spoiled food and instead photograph refrigerators and freezers before disposal.
Prevent Mold: Remove Wet/Soiled Carpet Promptly
Act quickly to remove wet or soiled carpet and pad to prevent mold and mildew from setting in.
Salvage Possessions: Professional Cleaning and Documentation
Have clothes professionally cleaned to salvage them and keep receipts for reimbursable expenses like hotels, meals, and emergency provisions.
Track Expenses: Document Costs and Time Spent on Cleanup
Keep track of expenses and the time spent by people working on your property’s cleanup. If staying with family or friends, discuss potential reimbursement for additional expenses incurred.
Prepare in Advance: Review Insurance Policy and Inventory Regularly
Regularly review your insurance policy with your agent and consider adjustments for content coverage. Maintain a detailed inventory of your property, including photographs, receipts, and videos, stored in multiple locations.
By following these steps, you can ensure you’re maximizing your insurance claim after a disaster. For more tips on disaster preparedness, visit www.ready.gov.
