Disaster survivors may need to file a claim for their property after a disaster to their insurance. To file a claim, contact your insurance agent or company immediately after a disaster event. Find out:
Whether the terms of the policy cover the damage
The deadline to file a claim
Whether the claim exceeds the deductible (the amount of loss the client agrees to pay before insurance)
The processing time for the claim
Whether estimates for repairs are needed.
The insurance company may send a client a proof of loss form to complete. An adjuster may also visit the property to assess the value of the losses and property damage.
To help assess the value of the loss, prepare an inventory of damaged or destroyed items. Provide a copy to the adjuster along with any receipts. It is useful to consider photographing or videotaping the damage. The more information documented about the damaged property (a description of the item, approximate date of purchase, and what it would cost to replace or repair) the faster the claim can get settled.
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