Winter storms often leave significant property damage in their wake. This is one of the many reasons why it’s so important for homeowners to make sure their real estate investment is properly protected by an adequate insurance policy. San Marcos Insurance Agency in Central Texas explains what homeowners need to do in order to handle a home insurance claim should they ever face winter storm damage.
- Read Your Policy Carefully: Insurance policies can be tricky to understand, so if they haven’t already, the very first thing a homeowner must do is read through their coverage to figure out what is and what is not included. The good news is that, as long as the property has been suitably maintained, most home and renters insurance will cover damage from wind, falling trees or other objects, a roof collapse from the weight of snow and ice, and burst pipes from freezing temperatures.
- Document The Damage: Once a homeowner has discovered that their home has sustained property damage, it’s necessary to start documenting it with photos and video to present to the insurance company. Though no permanent repairs should be made until a claims adjuster has assessed the home, a temporary fix is recommended to prevent further damage and keep the members of the household safe. Retain any related receipts and bills and keep a record of all communications with the insurance agency.
- Call Your Insurance Company Right Away: While reviewing your home insurance policy, check to see the insurer’s requirements on the timeframe within which a claim must be filed. Be sure to call right away so as not to miss any deadlines and request an adjuster to come out for an inspection. The sooner a claim gets turned in, the sooner it can be approved and a contractor can get started on repairs.