How to deal with large home insurance claims

Large home insurance claims can be stressful, messy, and confusing. However, it’s imperative that you know what to do when dealing with a significant disaster claim. Remember how fast you act determines how soon you get back to your normal life. Here is what Guy Hurley McNeil recommends doing to get full compensation for your loss.

Review your policy

Every Rochester Hills, MI insurance company has its own way of dealing with insurance claims. Fortunately, everything is well outlined in your insurance policy document. First, you need to know whether the damage or loss is covered in your insurance policy. Next, you need to check the coverage limits to know the amount you will receive as compensation.

Salvage the situation

If you can still do something to prevent further loss without endangering your life, then do it.  As you do so, don’t throw anything away. Take photos if possible, close taps if any are open, and move items you think will get damaged either by fire or water.

Document the damage

The most important thing you can ever do after a big accident at home is document the damage or loss. Take photos and videos showing damage. This will act as evidence, and your insurance company’s adjuster may not interfere with the loss. Have a list of damaged items, year of purchase, and price.

Avoid making assumptions

Assumptions can be costly in large home insurance claims. Therefore, never assume something is covered or not covered. If your Rochester Hills, MI company rejects a claim, it doesn’t mean it’s not covered. Be wise and follow up to make sure you are not being downplayed.

Whether it is fire, theft, or natural disasters, they all touch your softest spot—your family and property. When under extreme personal stress, it’s easy to lose focus and mess up with the claim process. But with a well-organized claim, you can get back everything that belongs to you. For more guidance, contact Guy Hurley McNeil today!