Step by Step
After your loss it is important to take the correct steps moving forward.
Building Coverage
- Assisted Living Expenses
- Loss of Rent
- Personal Property
Recovering Depreciation
Business Income Interruption
- The Mortgage Process
Fire & Escrow Holding
What to Do?
STEP 1. DOCUMENTATION
Proper documentation is the most important part of an insurance claim process. Most of your claim will fall back on imagining, especially if there are disagreements, so after the loss be sure to take lots of photos. Our team will be sure to thoroughly document the property however we ask that you create a detail list of anything removed from the home along with photos. This may include the clothes on your back, especially if they are damaged after dealing with the loss.
STEP 2. SECURE THE PROPERTY
Many times, when you have a loss, windows and doors are broken. It is important to secure your valuables immediately. This may include boarding up doors/windows. Placing a lock and hasp along with a lockbox is recommended. If you are unable to perform these actions yourself, we work with strategic partners to ensure your property is cared for properly. When you get the chance if the home is uninhabitable, I recommend removing all guns, money, and jewelry from the home.
STEP 3. SENTIMENTAL VALUE
Mitigate damages to sentimental items. The building and basic non-sentimental items can be replaced however your sentimental belongings cannot. Photos, family heirlooms, and meaningful belongings are the most important things in our households. We have many organizations at our disposal and if you are unable to handle this process yourself the insurance carrier will cover any cost incurred while securing and protecting these items in your property.
STEP 4. MITIGATE DAMAGES
As the property owner you have responsibilities to prevent further damage to the property. This includes but is not limited to tarping the roof, water extraction, drying the property, and any other action to prevent additional damages.
STEP 5. WHERE TO GO
If this is a primary residence, you will, most likely, have a section of your policy to cover Additional Living Expenses. This will cover any hotel costs, emergency clothing & toiletries, transportation, and food. Our company offers the service of setting you and your family up in a temporary living situation until the insurance company can be contacted. Property & Casualty Adjustment Bureau will make sure you and your family receive an advance so you can purchase clothes, food, and other necessities.