Tips on Filing an Insurance Claim for your Damaged Building
If you experience home damage, it is probably time to consider making an insurance claim, which will allow you to start the overall repair and recovery process. Your insurance policy is the best way to get you back home, but if it is the first time you make a large insurance claim, it is good to know that it basically consists in a business negotiation and that there are tips on filing the claim and get the compensation you are entitled to.
To become your own best advocate, you must know your claim, so start reading your policy’s “declarations page”, which details the coverage categories. When you become familiar with it, you will be able to calculate on your own the amount of coverage your insurer should offer you.
You must avoid relying exclusively on the adjuster, because you may end up leaving money on the table, if you do not know what you are entitled to and do not negotiate. For instance if you have a roofing claim, contact roof repair Lakewood CO pros for an inspection and estimate of roof repair or replacement costs. Have this information handy for the insurance claims specialist. It is important that they have an accurate estimate of the work required.
There is also an Additional Living Expense part, in your policy, that you can take advantage of while your home is inhabitable. This may cover gas and mileage, in the case you must drive from your temporary home to other locations, as well as food, if you have no cooking facilities in your temporary home.
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