Steps To File A Homeowners Insurance Claims

Filing for a homeowners insurance claim signifies that your abode has suffered major damages due to the occurrence of a tragic event. In order to claim for the damages, it is essential to hire a homeowners insurance lawyer in Florida. The process of filing for an insurance claim can prove to be very tedious and hectic. Going by the statistics, it has been estimated that approximately 5.3% of the homeowners filed for a claim between the years 2014-2016. 


Uncertainties are difficult to avoid. You never know what could cause a mishap and damage the condition of your home. You might get confused and may not have the desired knowledge to file for an insurance claim. This is where you need the assistance of a lawyer. It is essential to take some steps to safeguard the interests of your loved ones and claim for damages. One must understand the whole filing process in order to be aware of the steps to be taken and understand the insurance policies before filing for the claim. 

After the damage, one can go room-to-room and capture pictures of the damage to produce as proof in front of the insurance company and the concerned authorities. You can also create a description of the goods lost and the amount of damage done along with the original value of the products.

Below mentioned are the steps to file a homeowners insurance claim

Take pictures of the damage: After your home has been damaged due to natural calamities, it is vital to take pictures of the damage caused. After such an event, it is evident that you will be filing a homeowners insurance claim. Some damage might not even be visible to the naked eye, so it is advised to avoid going near to the damaged area. Click pictures which you can serve as proof to the insurance company. By mere observance, you will be able to determine if you are eligible for the insurance claim or not.

Contact the insurance company: The next step in the process is to contact the insurance company. Make sure that you contact the insurance company immediately after the event has taken place. Provide a full description of the damage and produce the picture that you have clicked. The insurance claim process is complicated. Contacting the insurance company will ascertain that at least the process has started.

Get damage estimate: You can hire contractors to inspect the damages and provide a rough estimate of the damage done. Getting an estimate will help you in ascertaining the deductible amount and give you a rough idea of the proceeds. You will be able to better negotiate and get decent claims. Next steps involve providing proper insurance documentation. Make yourself available when the adjuster is sent out to you to make negotiations.

Are you looking for homeowners insurance lawyers in Florida? Consult the experienced attorneys at David Low & Associates P.A. Property Insurance Lawyers. For more information on property insurance and claims, call at 844-96-CLAIM

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