When your home or business has suffered water damage, you have two options: You can rant and criticize your insurance company, and ultimately get compensation for the damage …
… Or you could get your insurance company to repair your home faster if you have these expert tips and techniques up your sleeve!
Keep calm.
Let’s face it: many of us would rather have a root canal than call an insurance company for water damage. However, don’t allow your frustration or anger to surface, as this is the quickest way to undermine your own efforts to obtain compensation. Remember, that insurance agent is a person too, and they will be much more likely to help you if you are calm, collected, and collected.
Know your deductible.
Don’t trust your insurance provider to give you all the details of your policy, including your deductible. Your deductible will be determined based on the premiums you paid for homeowners insurance; therefore, if your premiums are higher, your deductible will be significantly lower. Find your insurance policy and familiarize yourself with your deductible before making that phone call.
Take a lot of pictures.
Before you can collect compensation from your insurance company, you will need to provide proof of water damage to your business or home. Please use a digital camera that will time and date your photos as this will help speed up your claim process.
Record who you speak to.
When filing your claim, it is very likely that you will speak to numerous agents. Save yourself a major headache and be sure to get the name and extension number of the agent you spoke with. Take notes of your conversation and, if possible, record it. While most insurance companies record these conversations, it’s best to arm yourself if your insurance company breaches a verbal agreement.