Home insurance is an insurance product that plays a crucial role in protecting your home and your belongings.
Yet, as a homeowner, your hopes are that you never need to use it.
It's there when you need it, but for many homeowners, it’s used so rarely that they may not know the necessary steps that need to be taken when unforeseen events happen.
What to Consider Before Filing Your Claim
If the damage was caused by vandalism or a criminal act, call the police and file a report first.
Next, look over your insurance contract and pay special attention to the deductible.
If the repairs are minor and you have a larger deductible, there may be no need to file a claim if the repair work needed might cost less or equal to your insurance deductible.
For example, filing a claim and paying a $2000 deductible for repairs that may only end up being $1200.
True Builders can help you determine if a claim is warranted.
They are skilled in insurance claims and can properly guide you through the process.
Once True Builders is onsite, if it is decided that an insurance claim is warranted, you will call your insurance provider and give them some basic information like your name and address, your policy number and the date the event took place that caused the loss.
If you need to stay somewhere besides your home, be sure to tell your agent where you can be reached.
See our video on additional living expenses below:
Documenting Your Losses
If there is extensive damage to a home or building, do not go inside! Let True Builders perform a thorough inspection beforehand if you are even slightly unsure.
True Builders will perform the following on their initial visit:
- Secure the home from any further damage.
- Assist you with making a very detailed list of personal contents that were damaged, as well as documentation of any damage to your home or property
- Take pictures or video to document the damage before repairs are started
True Builders can assess the damage, document the damages with photos and videos, and provide necessary repair estimates to your insurance carrier to fully restore the home to pre-loss condition.
True Builders can help you determine if a claim is warranted. They are skilled in insurance claims and can properly guide you through the process.
True Builders will Protect Your Home From Further Damage
True Builders will perform any and all of the following to ensure that your home is protected during repairs:
- Cover or seal any broken doors & windows or make temporary repairs to secure your home from weather and other dangers
- Water extraction and clean up
- Smoke damage clean up
- Removal of any furniture and valuables to a safer or more secure location for temporary storage if need be
- Properly clean and disinfect any surfaces that may have been contaminated by flood water or any other contaminants
Our team at True Builders is here to help you settle your insurance claim and repair your home back to - and beyond - it’s original beauty.
We will even handle the headache of all the back & forth with the insurance company. We are experts at ensuring you get your home and property fully restored.
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