When your home or business has suffered water damage, you have two options: You can splurge and rail with your insurance company and eventually make up for the loss …
… or you can get your home repaired faster by your insurance company using these expert tips and techniques up your sleeve!
Let’s face it – many of us would rather get a root canal than call an insurance company about water damage. However, do not let your frustration or anger come to the surface, as this is the fastest way to reduce your own efforts to get compensation. Remember, that insurance agent is also a person – and if you are calm, calm and collected, they will be more likely to help you.
Get to know your deductible.
Do not trust your insurance provider to tell you about every deduction on your policy, including your deductible. Your deductible will be determined based on the premium you pay for your home insurance; Therefore, if your premium is high, then your deduction will be significantly less. Find your insurance policy and familiarize yourself with your deductible before making that phone call.
Take lots of pictures.
Before you can collect compensation from your insurance company, you will need to provide proof of water damage in your business or home. Use a digital camera that indicates the time and date of the photos, as this will speed up your claim process.
Record who you talk to.
While pursuing your claim, there is a good chance that you will talk to several agents. Protect yourself from a major headache and make sure to get the name and extension number of the agent you talked to. Take notes of your conversation and, if possible, record it. While most insurance companies record these conversations, you should reorganize your insurance company into a verbal agreement.