Spring is on its way and with warmer weather comes harsh, damaging storms. When a storm hits and causes damage to your home, it can be a stressful and upsetting time and you may not know what to do or where to begin. At Norcia, we offer insurance claims help for Minnesota and are to offer assistance whenever you need us. That’s why we’d like to go through the first steps to follow when the disaster is gone and it’s ready to pick up the pieces.
1. How to Know if You Should File a Claim
Not sure if you have a claim? File one anyway. Experts like those at Norcia can get you the insurance claims you need to get you started. Even if a claim is fairly minor, like a broken window, for instance and won’t exceed your annual deductible, you should still report that damage. Why? If there’s another storm this year, then together your claims from both storms might top your deductible and then you could be reimbursed.
2. Contact Your Insurance Company
Contacting your insurance company is essential to starting the claims process. But, with insurance claims help from Norcia, we can take care of this for you. A public insurance adjuster like us can come to your home, talk to your insurance company for you, explain to you what is unfolding, clarify all aspects of the paperwork and go over contracts that you might otherwise have a hard time understanding.
3. Document Damage
Document every single possible issue that can be deemed a “loss.” Take a mountain of photographs and notes. Go room by room inside of the house, side by side on your home’s exterior. Take close-ups, zoom in. In cases of loss with regard to natural disaster in pursuit of recompense from your insurance company, it is far better to have way too much in the way of documentation than little or none at all.
4. Log Transactions
For example, if your home has taken on severe damage, it is a good idea to board up your windows and doors. This will aid in the effort to prevent it from taking on even more damage, in addition to protecting the assets within. If you bring in a contractor to do such work, keep the receipt. Keeping an accurate log of all transactions related to the disaster your home has endured will go a long way in aiding the insurance claims management process.
5. Get the Insurance Claims Help You Need
For all of these steps, it helps to have insurance claims help. We will be in your corner, not the insurance company’s. Our job is to look out for you to make sure that you get fair and reasonable compensation from your insurance company when you file a claim.
For more information on insurance claims help in Minnesota, call Norcia Insurance Consultants at 866-512-LOSS (5677), or you can contact us to set up your Free Consultation.