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Cindy S. from Naperville, IL asks “How does the restoration insurance claim process work?  I just experienced some damage to my home– what happens now?”

The most important thing is your safety. Restoration Authority reminds you to not stick around when there is danger. If your house catches fire, make sure everyone in your house evacuates immediately and let firefighters do their job. When there is a flood warning, make your way out of town. If conditions aren’t severe enough to leave, make sure you are prepared with what you need.

1.  Make Sure the Source of The Damage is Stopped

After an event occurs, there are a few things you need to do before filing a claim. One of the first things you need to do is make sure that the source of the damage is stopped, as known as mitigation. For example, if a pipe burst, turn off the water source so the flooding doesn’t get worse.

2.  Call Restoration Authority

After that, call Restoration Authority. We want to be your partner in this. After your call, we will send over Restoration Authority team member who will inspect the damage and will perform any steps necessary to prevent further damage, or mitigation. We want to make sure the problem stays as small and controlled as it can. By choosing Restoration Authority as your partner, we will provide you with our professional recommendations, experience and empower homeowners to make their own educated decision without pressure. We want you to have the quickest and best restoration process possible. Some damage is small and not worth the hassle of involving your insurance company. It may just be a quick and easy repair.

3.  Our Restoration Team Will Be There to Guide You Through the Claim Process

If the damage requires a claim, our team will be there to guide you through the claim process. We will be with you every step of the way to make sure you are getting the best care you can get.

Following the claim, the insurance company with get in contact with you to set up their inspection with one of their adjusters or the adjuster will handle it over the phone. A Restoration Authority team member will attend this appointment as well to ensure the best care. The adjuster will inspect the damage and file a report.

4.  Wait for Claim Approval

After the report is filed, you will hear from the insurance company if your claim is approved or denied. If denied, the insurance company is required to provide you an explanation in writing.

5.  Begin Restoration Work

When the claim is approved, Restoration Authority will begin repairs.

While you are waiting to hear back from your insurance company, here are some tips on what to do in the meantime.

Prevent Additional Damage and Secure your Valuables

First, you need to prevent additional damage to your property. While Restoration Authority will take care of the big stuff, you can help out in the restoration process. Be sure to take your surviving valuables to a safe and dry place to keep them in good condition and to ensure your peace of mind. Restoration Authority will board up any broken doors or windows, tarp holes in the roof, remove excessive water, etc. These measures can be considered emergency repairs and won’t affect the insurance claim process.

Record Proof of Damage

Make sure to take pictures and videos of your damaged property. Also preserve any broken parts that may have caused or allowed damage to take place. By doing this, you will have indisputable evidence for your insurance claims. Keep in mind that nothing should be thrown away and the scene should not be altered (as much as possible) until an adjuster comes to inspect the property.

Make a Detailed Inventory of your Damaged Possessions

To get reimbursement for your damaged items, you will need a detailed inventory list stating the details of every piece. This includes its age and current condition, as well as the replacement cost and the actual cash value of individual items. Creating a comprehensive inventory sheet is difficult and time-consuming but is important if you want to be paid for damaged contents.

Keep in mind that the replacement cost is different from the market value of your items. The company will only pay for the estimated cost of repairs, minus depreciation (a decrease in value due to wear and tear or age).

Make a Detailed Inventory of your Damaged Possessions

To get reimbursement for your damaged items, you will need a detailed inventory list stating the details of every piece. This includes its age and current condition, as well as the replacement cost and the actual cash value of individual items. Creating a comprehensive inventory sheet is difficult and time-consuming but is important if you want to be paid for damaged contents.

Keep in mind that the replacement cost is different from the market value of your items. The company will only pay for the estimated cost of repairs, minus depreciation (a decrease in value due to wear and tear or age).

Do Not Throw Anything Away

You will need evidence for your damage claims. Your policy states that the damaged property should be available for inspection at any time throughout the claim.  You should not throw away any damaged items until the insurance company has authorized this in writing. If you dispose of your “evidence” too early, you risk having these items denied coverage or not paid for.

You are also advised to keep any receipts, credit card statements, and bank statements concerning your property.  They can help you support your claim and prove the values of your damaged items.

Do Not Make Permanent Repairs before You Have Approval from the Insurance Company

Your insurance company will want to inspect your property in order to determine what repairs will be required and how much they are going to cost. This is why Restoration Authority recommends approval from your insurance company prior to starting work. If you start reconstruction works before the insurance company has approved them, you may not be paid for the repairs.

However, you can make emergency repairs that are necessary to protect your home from additional damage. Keep the receipts for any expenses spent on such quick temporary repairs to be able to get your money back later on.

Thank you for your question, Cindy! I hope I answered it thoroughly. If you have any questions to ask me, Michael, Restoration Authority’s Insurance Expert, please comment them below. I will be sure to answer them.

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