We all hope that our property will escape undamaged when a storm or severe weather strikes. But if you live in area where weather is an ongoing issue and an unpredictable force, you know you have little control.
Insurance is supposed to take care of that. You pay the big premiums and count on the insurance company to come through for you when you need it.
Here are a few things that you can do to make sure that the insurance company fulfills its obligations to you in a timely manner.
When an adjuster arrives, it’s important to keep good records. The Consumer Federation of America suggests you keep a notebook. Make sure you have your claim number.
- If the adjuster doesn’t show up, write that down.
- Make a list of what you lost. Photos help. If you’ve lost everything, someone may have photos from a holiday party that show your possessions.
- Get repair estimates from reliable contractors.
- Keep receipts from emergency repairs and temporary housing.
Flood insurance covers water damage from a flood. Other damage is covered by homeowners insurance, or not.
If you’re denied, check your policy to make sure the reason is listed in the policy. The company may have language that limits what they will pay
- If you think the company is wrong, talk to a supervisor.
If that doesn’t work.
- Complain to the state insurance commissioner and use your notes.
- And check with a lawyer. The Consumer Federation of America says that courts often rule in favor of consumers.