We have many New Orleans homeowners insurance customers and the more customers you have the more claims you will receive.
Most customers call us after and claim and we go over the claims process and what they can expect
After an unexpected loss you should follow a few steps to make sure you get what you are owed from the insurance company.
The first question is always “What should I do?
Three Simple Steps After a Homeowners Claim
- Take Pictures and Video
- Prevent further damage
- Get estimates
One fact that will surprise a homeowners customer is that you don’t have to wait for the claim representative to show up at your house
We write for many New Orleans Homeowners Insurance companies and I can tell you none of them have their company insurance claim reps that show up at your home.
They are going to hire an independent property adjuster to write an estimate
Now it is important that you document all your damage
If you make a claim and then clean up all the damage and actually do the repairs before the claim rep inspects your home you could be subject to a claim denial
Follow these simple steps
1. Take Pictures and Video
With most of our customers having a smartphone taking a video should be a priority but taking as many pictures as you can will only help you
2. Prevent further damage
This is important because in the homeowners insurance policy there is policy language that states you must mitigate your damages
Mitigate damages examples
Get a contractor to tarp the roof to prevent further damage
Busted water pipe?
Turn off the water and call a plumber
Yes call a plumber and get an estimate and have the plumber start the repairs to get you running water again
The insurance company will allow you to make temporary repairs to either mitigate our damages or make your home liveable
3. Get Estimates
The insurance company claim rep is going to write a repair estimate but it is not the final word.
You can dispute and negotiate an insurance company’s estimate
Get at least three estimates to confirm the insurance company estimate is accurate
Remember the first initial estimate is not always the final estimate even if the estimate includes a check
Just make sure you don’t sign a property damage release
To protect yourself you can send an email that states “I accept this estimate and check but there may be additional damage or increased cost to repair”
Professional Insurance Advisor Tip
Never go it alone during a claim unless you purchase your insurance directly from the insurance company.
If you did you are really left all alone because its you against the insurance company.
If you purchased your insurance from an insurance agency you should have access to claims advisor on staff that can help you find the claims resolution you need.