Suffering damage to the house can overwhelm anyone; however, filing a successful homeowners insurance claim in St. Petersburg, Florida, will ensure the recovery process is less cumbersome and faster. From handling the storm damage, water leak, or fire, this step-by-step guide will help you sort out the issue with confidence and clarity.
A Step-By-Step Guide That Will Help You Handle the Situation With Confidence and Clarity
Step 1: Review Your Insurance Policy
The first thing you should do is read your homeowners’ insurance policy very carefully.
Understand:
- What damages are being covered (wind, water, fire, theft, etc)
- What deductible amount is applicable
- What the coverage limits and exclusions are
- What time limits apply to the reporting of a claim
Many homeowners are surprised to learn that flood damage is typically not included; these issues are covered under a separate flood policy.
Step 2: Document the Damage Immediately
Take photos and videos of all affected areas. Take pictures of:
- The full extent of damage (both close-ups and wide shots)
- Damaged personal property
- Structural damage (roof, flooring, walls, etc.)
- Cause of the damage, if visible (broken pipes, tree branches, etc.)
- That documentation serves as vital evidence for your claim.
Step 3: Mitigate Further Damage
There are probably provisions in your policy that require you to take reasonable steps to stop further loss. That may include:
- Tenting a leaky roof
- Shutting off the water to a broken pipe
- Boarding up a broken window
- Save your receipts for any temporary repairs. Your insurer may reimburse you for these emergency measures.
Step 4: Notify Your Insurance Company
Report your claim to your insurer as soon as possible. This is usually accomplished through:
- The insurer’s mobile application
- Telephone call to the claims department
- Their website
While reporting, find out if you can provide the following:
- Your policy number
- Date and time of the incident
- Brief description of the damage
- Your contact details
Step 5: Meeting with Adjuster
The insurance company will dispatch an adjuster to inspect the damage. At the time of arrival, be sure to:
- Accompany them on a walkthrough of the damage.
- Provide the adjuster with copies of your pictures and receipts.
- Make sure to take notes and ask for the adjuster’s business card.
Be aware that the adjuster works for the insurance company. If needed, you have the right to hire a public adjuster or an attorney.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claim Lawyer. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision that should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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