A Complete Guide to the Property Damage Insurance Claims Process
If you are dealing with property damage, your world has been turned upside down. Not only do you have to worry about the repairs, but you also have to go through the insurance claims process. This can be confusing and overwhelming. We will walk you through the entire process so that you know what to expect. We will also provide tips on making the process as smooth as possible.
What Documents Do You Need?
Before you can begin the process of filing a property damage insurance claim, there are several documents that you will need to have. These include:
• A copy of your policy paperwork
• Photos or videos that document the damage
• Receipts for any repairs or replacements you made before making the insurance claim
• An estimate from a licensed contractor for the necessary repairs
• The police report, if applicable
How Do Property Damage Appraisers Work: Steps Involved
When you have suffered a property damage loss and submitted an insurance claim, the next step involves getting a property damage appraiser in Florida or an adjuster to inspect the site. The objective of this inspection is to assess the extent of damage and determine how much should be paid out for repairs and replacements. Here are some of the steps that take place during an appraisal:
1. Establishing the Claim: The appraiser will review your insurance policy and determine the damages that fall under it. They will also contact you to discuss and investigate the claim.
2. Inspection of Property Damage: An on-site visit is conducted to identify the cause of damage, its extent, and necessary repairs or replacements that need to be done. During this stage, the appraiser will take notes and photos of the damage.
3. Estimating Value: The appraiser will review all records to estimate the cost of repairing or replacing the damaged property. They may also contact contractors for quotes related to repair costs.
4. Determining Settlement Amount: When you file a property damage insurance claim In Florida, the appraiser will prepare a damage report and send it to your insurance company. The insurance company will use this report to decide the amount of settlement they are liable to pay you.
5. Negotiating Settlement: The appraiser may work with you and the insurance company’s adjuster to settle. In case of a dispute, they can also provide testimony in court if necessary.
Final Note
Call JS Marlin for the best service in property damage insurance claim inspections. Our team of experienced and highly-qualified inspectors is dedicated to providing you with accurate assessments backed up by detailed reports that will help you get the coverage you deserve. Whether your property has been damaged due to a natural disaster or an accident, we’ll do everything we can to ensure your claim is processed quickly and efficiently.