How to File a Property Claim
Some Guidance for Filing a Claim for Property Damage
At the minimum, include these steps when preparing your insurance claim. Seek advice for your circumstances from a competent insurance loss professional.
- Mitigate your damages -- take steps to protect the property from further damage.
- Document your mitigation expenses and the steps you took
- Seek advice from your insurance agent or other insurance loss professional
- Find your insurance policy.
NFIP Flood policies are available online;
flood claims have similar issues
- Call your insurance company and your agent, and notify them of your claim
- Take pictures of the damaged areas as soon as possible. Some
suggestions for contents damage photos
are available, and may apply to damage to structural and other property damage.
- Get a note pad and:
- Write down comments on damages you can't photograph.
- If you have questions or other particular concerns, write them down
- If you receive direction or instructions from your insurance agent, the insurance company, or your adjuster, write them down, along who you talked with, and when.
- Cooperate with your insurance company and the assigned adjuster
- Consider the benefits of seeking help with your claim.
For assistance after a loss to your business, home or other property
Contact
John Ruskin
at the address or phone number, below.
John Ruskin is a Louisiana attorney and a licensed adjuster in multiple states.
Additional background on John Ruskin is available
here.
There is no fee for an
initial consultation.
- Identify contractors for repairs or replacement, and get estimates
- Find pictures of your property in an undamaged condition
- If you have old repairs, or repairs paid for by prior insurance claims
- Find the receipts and contracts for those repairs
- Find pictures of the repairs, in progress....?
- If you have contents damage, consider these
tips for filing a contents claim
- When you receive your property adjustment, review it carefully, and discuss it with your adjuster.
- Let your adjuster know as soon as possible if you later discover missing items, additional damage or repair costs, or hidden damage.
For more information on how to prepare for an insurance claim, or assistance in the adjustment of insurance claims, please contact
John Ruskin
at the address or phone number, below.
