Harbor Insurance and Financial Services LLC is dedicated to informing and helping the community of McKinney, TX navigate the complexities of homeownership. One aspect that generates many inquiries is what to do when property damage occurs. In this entry, we have outlined some key steps you can take if the unthinkable happens to your home.
Ensure Safety and Document the Damage
First, prioritize your safety and those present. Address immediate hazards, and then document the damage. Take photos and video, and list all damaged personal property. This evidence can help facilitate your insurance claim process later.
Notify Your Insurance Company
Inform your insurance company as soon as possible about the property damage. Your insurer will likely request a filled-out “proof of loss” form, where you should include all known damaged property items and their estimated value.
Proceed with Temporary Repairs
While awaiting an insurance adjuster’s visit, you might need to make immediate essential repairs to prevent further damage. Keep the receipts to include these costs in your claim.
Retain a Contractor
After the necessary approval from your insurance company, contract a reputable construction company to start the repair or rebuild process. Your insurer may offer names, but you have the final say on who to hire.
In times of property damage, you can rely on Harbor Insurance and Financial Services LLC to guide you through the process of getting your home back to normal. With the right insurance coverage and the right assistance, property damage in McKinney, TX will not be something to stress about.
