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How to Reduce the Chance of a Bad Claims Experience Understand your insurance policies before you have a loss.Understandably that is a tall order. The best way to address this requirement is to have regular reviews of your insurance policies with your agent. Your agent is trained in helping you understand your policies in regard what coverage’s you have as well as those you don’t have. Their biggest concern is to help you know about these matters before you have a loss. By doing so, you can then make an informed decision regarding those loss exposures you want to insure against and those you’re willing to retain. Remember the most damaging punch is always the one you didn’t see coming. Keep current receipts and records of personal property you ownAll written, computer back ups and video documentation should be stored in a secure location away from your residence. This should be turned over to your adjuster upon request. This includes a current copy of your policy and declaration sheet. Know your policy’s contractual responsibilities after the lossAlmost all home insurance policies require you to take prudent actions after a loss to minimize further damages. If you are not physically capable, we suggest making arrangements in advance with a licensed and insured handy man or contractor to help you do those necessary tasks immediately after a loss. Important note: Do not dispose of any damaged property until after the adjuster has had a chance to see it. Additionally, we suggest taking photos of all structural damages before having any temporary repairs accomplished. Have your adjuster explain how the claim settlement process works at your first meeting.Have him explain to you what you should expect in the claims process along with the time line for task accomplishments. Make sure he/she explains their actions and how they relate to your policy. Talk to your adjuster about their approved sub-contractors and how you should and should not work with them. If you have a specific contractor you want to work with, do not sign an agreement without first having your adjuster approve the work. Give your adjuster a chance to discuss what he/she expects from you in order for things to go smoothly. Finally, if something doesn’t sound right, contact your insurance agent as soon as possible for help |
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Ways to Safely Lower Your Home Insurance Premium |
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What to Do Before and After the Storm |
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How to Reduce the Chance of a Bad Claims Experience |
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Common Mistakes in Purchasing Homeowner’s Insurance |
Remember, you can save money on your homeowners insurance if your home qualifies for wind mitigation credits. While you're requesting your quote from us, you will be prompted to answer a few questions about getting a wind mitigation inspection completed. These inspections are done by a state approved firm. They will be able to identify what features your home has for maximum discount credits. You may also go to the mysafefloridahome web site or click here for an inspection |
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