When disaster strikes, many homeowners are left with an overwhelming task - picking up, repairing, and ultimately restoring their homes to its previous condition. The process and - most of all - cost may seem daunting, but with home insurance, your policy may cover the damage. However, claiming the disaster isn’t typically fun and easy, but there are certainly tips to make the process go more smoothly!
The first step in any disaster is to know about your insurance policy - if you’re unsure of what is or isn’t insured around your house, read over the policy until you become familiar. If you don’t have a copy of it laying around the house or it was damaged in the disaster (whether that be a fire or flood), give your insurance agent a call and request a new copy!
Do you have questions about your policy? Direct them to your insurance agent - that’s what they’re there for! Don’t hesitate either, you’ll thank yourself later when you’re dealing with the adjuster.
Next comes assessing the water damage around the home. The professional restoration company that you’ve called in - like us, here at The Steam Team - can help you to examine and determine the extent of damage (what can/can’t be salvaged). The more information you have, the better. For example, if you have old pictures around the home that show the previous condition - that’s great! Additionally, any original receipts that you can find will help to further your claim.
What if you don’t have insurance?
If you don’t have home insurance, you should still take an inventory and keep track of everything that was lost or needs to be repaired. Of course, your professional restoration company can help you with a damage estimate - don’t worry!
We know this time is hard for everyone, that’s why we’re available to help 24 hours a day, 7 days a week - don’t hesitate to give us a call!