How to Report Property Damage When Filing an Insurance Claim
The insurance claims and building science professionals at Hudson Douglas Public Adjusters provide advice for dealing with a property damage claim.
Getting a public adjuster involved to represent your interests from the beginning can alleviate much of this stress and also ensure the insurance company covers everything under the policy.”
Although the 2015 hurricane season has been mild so far, the United States has experienced a number of other natural disasters that have caused widespread property damage in some regions. Catastrophic wildfires out West and heavy downpours resulting in flooding in various states over the last several months have resulted in millions of dollars of commercial and residential property damage.
While certain types of natural disasters are more prone to impact specific regions of the country, others can occur anywhere. Due to this fact, it’s important for property owners to be prepared with adequate insurance coverage to protect their property and belongings and to know ahead of time how to react if they experience damages.
Tom Allen from Hudson Douglas Public Adjusters, LLC, a multistate insurance claims expert, provides the following advice for property owners:
- Report a claim to the insurance company and secure the property as soon as it is safe to do so. Document every form of communication with the insurance provider with dates, times, who was spoken to, and the advice and actions provided by the insurance company.
- Consider hiring a knowledgeable and licensed public adjuster. Their singular purpose is to represent the policy holder and be their advocate during the entire claims process. Not only can a public adjuster expedite the process, they also may uncover damage that was missed by the insurance company to ensure the property is repaired to pre-damage conditions.
- Be careful with the terminology that is used when communicating with the insurance company. Some policies do not cover flood or mold damage so avoid using these words.
- Take pictures of all the damage and do not throw anything away until an insurance representative has inspected the property and given authorization to do so.
“Property owners rarely anticipate that their home or business will be damaged or destroyed, so it can be a real shock when it happens,” said Mr. Allen. “This is why it’s so important to know what to do before being faced with this type of situation. Getting a public adjuster involved to represent your interests from the beginning can alleviate much of this stress and also ensure the insurance company covers everything under the policy.”
Hudson Douglas Public Adjusters provides services to residential and commercial property owners in Arizona, Utah, Nevada, Colorado, New Mexico, Ohio, Pennsylvania and New Jersey. To learn more about how their licensed public adjusters can settle insured property claims quickly and for the fair maximum value, please visit www.HudsonDouglasPublicAdjusters.com, email claims@HudsonDouglas.com or call (800) 898-4290.
About Hudson Douglas Public Adjusters, LLC
With more than 50 years of experience in the construction and disaster restoration industries, the founders of Hudson Douglas Public Adjusters provide policy holders with professional representation to efficiently manage and settle insured claims. Hudson Douglas’ public adjusters are licensed to offer these services to residential and commercial customers in Arizona, Utah, Nevada, Colorado, New Mexico, Ohio, Pennsylvania and New Jersey.
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- Paul Cochrane
- Cochrane & Associates, LLC
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