Filing an Insurance Claim After Storm Damage
Mother nature can be highly unpredictable, and in some cases can cause damages to one of your most valued possessions, your home. Your insurance policy helps ease the stress of storm damages by covering loss or damage costs due to an unforeseen event. If you are located in Willmar, Minnesota, and want to better understand how to protect your home against a natural disaster, MG Insurance Inc. can help. Read on to learn some tips to dealing with storm damage and filing an insurance claim to help you repair your home.
Ensure Your Personal Safety
The first step when dealing with storm damage to your home is to ensure your own safety and wait to assess any damage until you know that there are no risks to your own security. Do not begin cleaning up the damages until you have documented the damage to the best of your ability and wait to fix any severe issues until an insurance claims adjuster has assessed the situation.
Report a Claim In a Timely Manner
Next, you will want to file an insurance claim as quickly as possible because many insurers offer only a limited amount of time to file a claim, and you will want to make repairs to your home promptly so that the damages do not become any worse. To file a claim, you will need to provide your insurer with your most recent contact information and policy number, as well as an accurate description of the extent of the damage made to your property. Be sure to inform the insurer of any specific needs or circumstances that you and your family require.
Document Everything That Was Damaged
Since many companies require you to submit an inventory of damaged items, it is advisable to take images and make a list of any damaged items and save news reports of the event. Try to list the approximate value of the items and the date that you purchased them, and find any receipts if possible to help calculate an estimate. An insurance adjuster will likely evaluate the damage made to your home, your vehicle, and your possessions so that you can receive the funds to help you repair or replace what was lost and damaged.
Work With Your Adjuster
In the event of damage to your home due to a severe storm or natural disaster, you will want to work with your adjuster and assist them with your claim by gathering evidence of the damage, being proactive about keeping the damage from getting worse, being prepared when the claims adjuster assesses the damage to the property and possibly having a contractor assess the damages as well to get an accurate estimation.
If you need assistance with your home insurance policy in Willmar, Minnesota, and want to ensure you are fully covered in a storm, contact MG Insurance Inc. today.
