Property Damage Insurance Claims

What to Know About Property Damage Insurance Claims

When your home has been damaged, taking the proper steps from the moment the damage occurs to receiving your settlement and repairing or rebuilding your home is essential. You may be wondering what key things are important to know about property damage insurance claims. After all, asking a lot of questions throughout the process is important to ensure there are no misunderstandings or loose ends. 

Here at Ascension General Contractors, we’ve got your back. We have four things to share today you should know based on frequently asked questions about property damage insurance claims. 

What Should You Know About Property Damage Insurance Claims

Documenting Damage

When you are documenting the damage done to your property, it should be top of mind to doing whatever you need to do to get a fair settlement. This is why you should never rush through documenting any damages, or worse, overlook items that you could have received payment for. The best way to be safe is to document everything you possibly can, no matter how small it may seem. Little things add up and you’ll want to be sure that you’ve taken pictures of any and all damages. 

Preventing Further Damage

Although you don’t want to make any permanent repairs right away, you will want to prevent additional damage to your property. Things like boarding up windows or patching your roof as a temporary fix can help to secure your home. Just remember not to make extensive repairs until the claims adjuster has assessed the damage fully. 

Getting a Fair Claim Settlement

There are some extra things you can do to ensure you get a fair claim settlement. You should try to settle your claim directly with your adjuster or insurance company. If you find yourself running into issues, reach out to elected officials for some help such as case managers and government agencies. Remember, you can always hire a qualified professional to help you through the process as well if you aren’t making any headway with your claim. 

Hiring a Professional to Help

Homeowner’s property damage insurance claims are complex and take time. Situations are different, but hiring a construction professional, policyholder attorney, or public adjuster might make a big difference when trying to get back to normal as soon as possible without unnecessary delays or headaches. Always read reviews or ask for recommendations before hiring anyone to assist you. And never sign a contract without thoroughly going over it and never be afraid to ask questions before agreeing to anything. 

If your home has been damaged, we are here to help! At Ascension General Contractors, we are committed to ensuring quality repairs in a timely and professional manner. We are a full-service general contractor and proud to serve Nashville residents, business owners, and operators.

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