10/13/2024
๐จ ๐๐๐ง๐๐ฅ ๐ง๐๐ ๐ฆ๐ง๐ข๐ฅ๐ : ๐ช๐๐๐ง ๐ง๐ข ๐๐ข ๐ก๐๐ซ๐ง! ๐จ
There are some critical steps to take to ensure youโre ready for the insurance process and any repairs. We will be posting videos explaining the claim process, but be sure to follow these tips to protect your rights and speed up your recovery:
๐ธ ๐ง๐ฎ๐ธ๐ฒ ๐ฃ๐ต๐ผ๐๐ผ๐ ๐ผ๐ณ ๐๐ฉ๐๐ฅ๐ฌ๐ง๐๐๐ก๐
Before you throw away damaged items, document EVERYTHING! Take wide-angle, mid-range, and close-up shots of all damage, including structural, furniture, and personal belongings.
๐ ๐๐ฒ๐ฒ๐ฝ ๐ฎ ๐๐ฎ๐ป๐ฑ๐๐ฟ๐ถ๐๐๐ฒ๐ป ๐๐ผ๐ด
Start a written log of every interaction you have with your insurance company. Write down the date, time, and details of every call, email, or visit. This will help you stay organized and track your claim's progress.
๐ฅ ๐ฅ๐ฒ๐ฐ๐ผ๐ฟ๐ฑ ๐๐ต๐ฒ ๐๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ ๐๐ฑ๐ท๐๐๐๐ฒ๐ฟโ๐ ๐๐ป๐๐ฝ๐ฒ๐ฐ๐๐ถ๐ผ๐ป
In Florida, courts have ruled that itโs legal for homeowners to record an insurance adjusterโs inspection โ use this to your advantage! This creates a detailed record of their assessment and any discussions about the damage, which can be useful if discrepancies arise later. In your handwritten log, be sure to notate any statements the adjuster made during his or her visit.
๐ ๐ ๐ผ๐ฟ๐๐ด๐ฎ๐ด๐ฒ ๐๐ผ๐บ๐ฝ๐ฎ๐ป๐ถ๐ฒ๐ ๐ช๐ถ๐น๐น ๐๐ฒ ๐๐ป๐ฐ๐น๐๐ฑ๐ฒ๐ฑ
Remember, your mortgage company will be included on any insurance payments related to your house structure. Payments for Personal Property or Additional Living Expenses will be issued directly to you, but repairs to the home itself will involve the mortgage company. Contact your mortgage companyโs โLoss Draftโ department for more information.
๐ ๐ฃ๐ฟ๐ผ๐ผ๐ณ ๐ผ๐ณ ๐๐ผ๐๐ ๐๐ผ๐ฟ๐บ๐
Many insurance companies will request a โProof of Lossโ form, which youโll need to fill out and submit within a certain time frame. Donโt delay โ check your policy or speak with your adjuster to ensure you meet this deadline.
By taking these steps, youโll be better prepared to navigate the claims process and get your life back on track! Insurance companies have become increasingly more difficult to deal with, so prepare for the long game!
*Shared* These are great tips and exactly what I tell my customers and people I meet with.
