As leading public adjuster firm for the Pennsylvania and New Jersey areas, we’re fully aware of how many steps are to be considered when filing a new property damage insurance claims. Most homeowners, however, don’t have the chance or the time to look into the specifics on how all various intricacies affect the process. That’s why we wanted to give a brief introduction to some of the many things you have to consider when filing a new property damage claim.
Report Detailed Descriptions
You must fully document all details of your property damage loss and fully use detailed descriptions of the damage to your property and items.
Remember to Include All Items
Everything ranging from kitchen appliances and personal photos to landscaping items and pantry or freezer products will add to the amount of the claim. Forget some of them, and you are likely to be underpaid.
Document your Losses
When possible, have as much proof, like photos or videos of the damage, as possible. Receipts for household inventory are also great to have. In general, you can never have too much proof of the damage and its value, so please save and record any relevant information.
Save Receipts and Damaged Items
If possible, save all damaged items as well as any receipts for temporary repairs, including utility bills.
Keep a Log
Make sure you keep a log of all your interactions that have something to do with the claim. This includes written correspondence, phone calls, voicemails, e-mails, and texts.
Hold off on Repairs
Until the claim has been approved by your insurance company, do not begin any repairs or replace anything. Also, please remember you are not obliged to use the insurance company’s contractors.
Consult with a Professional
If you have never filed a claim before, it can be hard to understand the cause and scope of the loss, figure out everything that needs to be reported, understand how thorough the reporting needs to be, hire the right constructors and follow the insurance policy obligations. That’s why we always recommend that you at least consult a professional for more information.
About American Claims Ensurance
American Claims Ensurance specializes in homeowners and business insurance claim representation. We work vigorously and for YOU to ensure you get the highest possible settlement from the insurance company. Best of all, when you hire the best public adjusters to represent you, you will not have to deal with the stress of working with your insurance company.
American Claims Ensurance offers our insurance claim representation services on a contingency fee basis to YOU. That means, that if we do not collect any funds for you, we do not get paid at all. We will handle the entire claim process from beginning to end and make sure you get the settlement YOU deserve.
American Claims Ensurance has decades of combined experience and expertise knowledge on how the claim process works. We will also help to expedite your water damage or other type of claim as quickly as possible.
We represent home and business owners and are retained as expert witnesses by various law firms in a variety of property loss claims, including:
- Fire and Smoke Damage
- Water Damage
- Flood Damage
- Catastrophic Damage
- Theft and Vandalism Damage
- Burst Pipes
- Frozen Pipes
- All Plumbing Leaks
- Toilet Overflow
- Snow and Ice Damage
- Roof Leaks
- Blown Off Shingles & Siding
- Building Collapse