Property loss or heavy damage to the home is thankfully not a commonplace event. Many of us would not know what steps to take after there is damage to our home since we’ve never been in the situation. Here, straight from an insurance professional, is advice on steps to take when you have property damage.
1. Notify your insurance agent as soon as possible.
2. Take steps to protect your property. Make temporary repairs to protect property from further damage. Keep receipts of what you paid for the temporary repairs and include in your insurance claim.
3. Prepare for an adjuster’s visit. Make lists of the damaged items; if possible, take photographs of the damage and put together a set of records – old receipts, bills and photographs – to help establish the price and age of everything that needs to be replaced or repaired. Do not throw out damaged furniture and other items as the adjuster will want to see them. Make a list of everything you would like to show the adjuster when he or she arrives.
Information provided by Pam McCarthy, First Weber Group Insurance
Protect your home and its contents by carrying the right kind of insurance. And remember, a Homeowner’s Insurance Policy is required before you can close on a home loan. Thank you for reading the Frist Weber Wisconsin real estate & Wisconsin living blog for some tips on what to do if there is damage to your property.
photo credit http://www.flickr.com/photos/danlucas/3129324714/