Help! Homeowners Policy Claim?

Homeowner's Insurance claims can be overwhelming! No one ever expects property damage, but unfortunately, it can happen to anyone at any time. Whether it’s caused by natural disasters, fires, water leaks, or even human error, dealing with the aftermath can be overwhelming. That’s why it’s crucial to be prepared and know the steps to take when an incident occurs.

While I hope you never face property damage, it’s always better to be ready just in case. Here's a step-by-step guide on how to handle property damage and protect yourself, your home, and your insurance claim.

1. Prioritize Safety First

When disaster strikes, your first priority should always be safety. If you're in immediate danger or there’s a risk to your health, evacuate the premises immediately. This includes situations such as fires, gas leaks, or other emergency hazards. Once you’re in a safe location, contact the appropriate emergency services.

2. Notify Your Insurance Provider

Once you've ensured the safety of yourself and others, it’s time to reach out to your insurance provider. Notify them of the damage as soon as possible, and ask them when the claim process should begin. Be sure to document all your communication with the insurance company, including the names of representatives you speak to and the dates of those conversations. If it is after hours, visit our after hours claims page on our website. Once your claim is assigned to an adjuster, make sure to keep their contact information handy, and communicate with them often.

3. Document the Damage

Before you start any cleanup or repairs, it’s crucial to document the damage. Take photographs or videos of all affected areas. Also, make a list of all items that were damaged or lost, and include their estimated value. This documentation will be vital for your insurance claim and will help ensure that you’re fully compensated for your losses.

4. Prevent Further Damage

While it may be tempting to begin cleaning up right away, take precautions to prevent further damage before doing so. If you have a leaking roof, for instance, cover it with a tarp. If water is flooding your home, turn off the water supply. However, avoid making any permanent repairs or discarding damaged items until you've consulted with your insurance provider or claims adjuster.

5. Keep All Receipts

In the aftermath of property damage, you may incur temporary costs for repairs, accommodations, or emergency supplies. Be sure to keep all receipts and invoices related to these expenses. These documents will be essential when you file your claim and can help ensure that you’re reimbursed for out-of-pocket costs.

6. Work with Reputable Contractors

When it comes to repairs, it’s crucial to be cautious about the contractors you hire. Start by gathering two or three estimates from reputable professionals in your area. Your insurance agent should have some recommendations for you. You can find a list of some of our recommended providers by clicking here. Be especially wary of individuals who show up uninvited after a disaster, as some may try to take advantage of the situation. Never agree to pay for services upfront or make hasty decisions under pressure.

Once you hire contractors for cleaning, removal, or restoration, be sure to have a conversation about what can and can’t be discarded. This will help avoid the accidental loss of valuable items during the cleanup process.

7. Stay Proactive and Informed

Property damage can be a stressful and confusing experience, but knowing what to do and staying proactive will help minimize the impact. Stay informed throughout the insurance claims process, and don't hesitate to ask questions or seek guidance from your insurance provider. Remember, you're not alone—there are resources available to help you through every step of the process.

Final Thoughts Dealing with property damage is never easy, but by following these guidelines, you can help ensure a smoother process when it comes time to file your claim. I sincerely hope you never experience property damage, but if you do, know that I’m here to support you every step of the way. Always feel free to reach out with any questions or concerns—you don’t have to face it alone. Whether you are in Heber City, Utah or another area in our great State of Utah, we can help.

Stay safe, stay prepared, and remember, we are just a call away if you need help.