property damage insurance claim

How to Submit a Property Damage Insurance Claim

If your property is damaged, filing a property damage claim is required to help you receive compensation for the damage caused by an event, such as a natural disaster. The process can be tricky to navigate, especially if you have never had to file a claim in the past or if you have and the process seemed to be full of issues from start to finish. 

Here at Ascension General Contractors, we have some advice for you on submitting a property damage insurance claim to hopefully make the whole process easier. 

How Do I File a Property Damage Insurance Claim Letter? 

When you go to file your property damage insurance claim with your insurance company, you will want to ensure you get them all of the information you need to move forward so that you get a payout as soon as possible. It’s essential not to delay filing your claim. Doing so could result in several issues, and you won’t receive your payout as quickly. Once you contact your insurance company, here are a few steps to take to make sure everything is in order.

  • Promptly fill out claim forms

Your insurance company will provide you with the necessary claim forms to complete. Be sure to fill these out promptly and return them to your insurance provider so that you minimize the inconvenience on your end and delays

  • Prepare a list of lost or damaged articles

To substantiate your loss, make a list of destroyed or damaged items. You will also want to have a copy to give to your insurance adjuster and any receipts from damaged items.

  • Have the insurance adjuster inspect the damage

When your insurance adjuster inspects the damage to your property, give them the list of damages you’ve made. The adjuster is a company representative who will review the property damage to determine how much the insurance company should pay for the loss.

What Can I Do To Make the Claim Process Faster? 

It is not uncommon for property damage insurance claims to take longer than expected. However, all states have insurance laws that require insurance companies to respond to claims within a certain length of time. So be sure to familiarize yourself with the requirements and your rights. You can check your state insurance commissioner’s website for information about insurance claim laws. Additionally, follow these steps below, which may help smooth the entire process, resulting in a faster settlement. 

  • Take a Regular Inventory of Your Home and Possessions
  • Keep Copies of All Important Documentation
  • Take Photos and Videos of the Damage ASAP
  • Take Steps to Limit Further Damage
  • Follow Up with Your Insurance Company 

If your property is damaged, contact us at  Ascension General Contractors. We have everything needed to restore your property in a timely and professional manner. We are full-service general contractors and repair specialists proud to serve the Nashville community. Contact us today!

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