What to Do Before Speaking to Your Insurer After a Natural Disaster

property damaged by natural disasterHas a natural disaster damaged your home? If you intend to file an insurance claim, it’s important you contact your insurance agent or company immediately.

The first call you make to your insurer will help you ascertain if the damage you suffered is indeed covered under the terms of the policy you have. If you’re covered, you should then confirm the claim timeline. The United States Adjusters lists the things you need to remember before you file for a natural disaster insurance claim.

Have a home inventory

Your insurance company’s representative may ask you to list all the destroyed and missing items in your home. If you don’t have a home inventory, make sure to survey your house and make a list of all insured damage before you call the insurance company.

Get a copy of your policy

The insurance representative taking your call will need details of your insurance policy to access your account. Keep a copy of the policy near you so you can readily provide requested details.

Make a list of what you plan to say and ask

It’s important to write down what you are going to say and inquire. This process will help put your thoughts in the right order. You’re also not going to forget important details of things you need to be clarified.

Prepare to take notes during the conversation

You’ll need to keep a record of their responses. The notes you’ll make can come in handy if you need to talk to a public claims adjuster or an attorney.

If you experience a natural disaster on your property, you should report your loss to your insurer as soon as possible. Call the insurance company as soon as you have responded to any emergencies, assessed the damage and taken measures to prevent further damage or loss. Prepare for the first call with your insurer to get off your claim on the right foot.