Top Tips for Documenting Storm Damage for Your Insurance Claim
Storm damage can be a homeowner’s nightmare, and navigating the insurance claim process can sometimes feel like you’ve ventured into a maze without a map. At Palker Law Firm, we are committed to simplifying this process and empowering you with knowledge.
In this article, we share our top tips for documenting storm damage to ensure your insurance claim is as seamless and efficient as possible.
1. The First Signs – Identifying Damage
Identifying storm damage isn’t always as straightforward as it may seem. Yes, you might see a fallen tree or a broken window, but some signs of damage can be elusive, hidden in areas that may not be immediately obvious. Look for tell-tale signs such as water stains on walls or ceilings, and lifted shingles on your roof. Don’t forget to check your gutters, downspouts, and AC units as these areas can often show signs of storm-related damage.
2. A Picture is Worth a Thousand Words – Document with Photos
Before you start any cleanup process, grab your phone or camera and start snapping. Photograph every damaged area of your home, no matter how big or small the damage might seem. Close-ups and wide shots will help give a full picture of the extent of the damage. Remember, your insurance company wasn’t there when the storm hit, so you need to provide as much visual evidence as possible.
3. A Video Diary – Document with Videos
In addition to taking photos, consider recording a video walkthrough of your property. A video can give adjusters a better sense of the scope and context of the damage. Remember to narrate your video – explain what you’re seeing, and any relevant details such as when and how the damage occurred.
4. Keep the Conversation Going – Document Adjuster Visits
It’s a good idea to record video of the insurance adjuster’s visit as well. This can help ensure that the adjuster accurately notes all damage, and can provide useful evidence if any discrepancies arise later in the claim process. Remember, you have the right to document your own claim and to record the adjuster throughout the process.
5. Don’t Go it Alone – Consult a Professional
If you have experienced substantial damage, it might be a good idea to have a professional contractor or an inspector look at your home. They have trained eyes that can spot damage you might overlook. Plus, their professional opinion can provide powerful support for your claim.
6. Keep Records – Document Repairs and Related Costs
After you’ve documented the initial damage, it’s also important to keep track of any repairs and related expenses. Keep all receipts related to any work done on your home, temporary living expenses if you had to evacuate, and any other costs associated with the storm. This paper trail is an essential part of your insurance claim.
7. Reach Out For Help – Consult a Legal Expert
If the claim process becomes overwhelming or you feel that your claim isn’t being handled fairly, it may be time to consult a legal expert. An attorney who specializes in storm damage claims can guide you through the process, advocating for your rights and making sure you receive the coverage you’re entitled to.
Documenting storm damage for an insurance claim can be daunting, but following these steps can help make the process more manageable. Always remember that the goal is a thorough and accurate portrayal of the damage your home has suffered.
Hire The Storm Damage Claim Lawyers at Palker Law Firm Today
At Palker Law Firm, we understand the complexities of dealing with storm damage and insurance claims. We’re here to ensure your rights are protected and you receive the claim settlement you deserve. If you’re in need of expert assistance with your insurance claim, don’t hesitate to contact the storm damage insurance claim lawyers at Palker Law Firm today. We’re here 24/7 to help you every step of the way.
