Your home is one of the largest investments you ever make. Although it is designed to protect you, it is important that you do everything in your power to also protect your home. One of the best ways to do this is by getting home insurance. This ensures that any damage that is done to your home is handled in a correct and timely manner. Even if there are no visual signs of damage, it is important that you have a professional come out to the home and check it out if you suspect damage. Weather damage is the most common type of claim, but fires are the costliest type of claim. Here are some of the biggest mistakes you could make that could hurt your chances of having insurance cover your home damage claim.
Getting Ahead of Yourself
One of the worst things you can do to hurt your insurance claim is to start cleaning up right away. Trees and limbs cause $1 billion dollars of damage to homes every year, according to the National Storm Damage Center. When you see these lying around the yard or on your home, your fist instinct may be to pull them off. Unfortunately, when you choose to remove the debris and begin to clean up the mess, it makes it harder for the insurance adjuster to see the amount of damage that was done. It is always a good idea to wait until the insurance adjuster arrives and can evaluate the damage before you start moving anything.
Filing Too Many Claims
When your home is damaged and you go to file a claim with your insurance company, you want to keep your deductible in mind. Insurance companies can decide to drop you from their company if they feel that you have filed too many claims in a short amount of time. If the claim is close to the deductible amount, you may want to pay for the damage out of pocket instead of filing a claim. Most states require that an insurance company give you a written notice at least 30 days before dropping you.
Not Getting Photos
When your home is damaged due to flooding, theft, or fire, it can be hard to prove that you had certain belongings if they are no longer there. It is important to take photos of all your belongings routinely to ensure that you have records of all your personal items of any value. You also want to keep receipts of any items that may get damaged and you would want to file a claim on. This will make it much easier for both you and the insurance adjuster when determining how much the claim should be for.
For more information, contact local professionals like Nordic Services Inc.