Chaos often strikes unexpectedly. In the aftermath of a disaster, it can be challenging to ascertain what needs to be done and how to prioritize, especially if you weren’t prepared.
One of the first things you’ll need to address is your insurance policy to determine what damage is covered and your responsibilities. While this may not sound too difficult, it’s an entirely different matter when you factor in the added elements of stress and grief in the wake of devastation.
To make this process a little smoother, here are some of the key things you’ll want to focus on as you navigate your policy:
Evaluate the Damage
Before you look at your policy, it’s helpful to evaluate the type and extent of the damage you’re looking for. You don’t have to be an expert on these matters, but any details you can provide your insurance company will help the process move a little smoother. For example, what did your area experience? A hurricane? What category? Walk around the property and take notes and pictures first to get an idea of what you’re dealing with in advance.
Find Out What’s Covered
After all, damage has been thoroughly assessed, it’s time to turn to your policy to find out what your insurance will cover before submitting a claim.
Some other important things you’ll need to know in the immediate aftermath are:
Does your policy reimburse you for temporary living expenses?
- Is your personal property covered?
- Are theft and vandalism covered?
Answering these questions first can make things a little easier later on.
File Your Claim Quickly
In the event that you will be filing a claim, it’s essential to contact your insurance company as quickly as possible. Especially in the event of a natural disaster, where multiple people are likely to be affected, you’ll want to get your claim in promptly.
Expert Home Restoration in St. Charles
When disaster strikes, MBC Capital is standing by as some things just can’t wait. If your home has recently suffered damage from a disaster, we’re ready to help make it right. Contact us today at 850-640-6049 to find out how we can help.