Common Mistakes People Make Filing Residential Claims

By Residential Claims

Filing commercial or residential claims in Boca Raton can be complicated, especially after suffering from a disaster like a house fire or flooding. These complicated filing processes combined with the stress of going through a disaster can make a few mistakes when filing your residential claims. This article will tell you about some of the most common mistakes people make when filing residential claims. 

It is critical to have everything in order when filing a property insurance claim to complete the claim. Otherwise, you may have to wait a long time to obtain your compensation, and your insurance company may even dismiss what would otherwise be a valid claim for damages. As these insurance benefits are so important for recuperating from your losses and going on with your life, you should take every precaution to avoid this.

Insurance companies will always try to find loopholes or mistakes to their own benefits so they don’t have to pay their policyholders the actual amount they should be receiving. But, even policymakers make many mistakes as they usually just do what they think is right. This is the reason why you should learn everything you can about your insurance policies and what benefits you deserve.

Insurance companies frequently deny or slow down residential claims even if the policyholder hasn’t made a mistake and should be compensated. For situations like these, our team at Alpha Public Insurance Adjusters can help those in Boca Raton, Florida, to understand their rights completely and get the full benefits they are justified. 

Some Common Mistakes:

Failing to Read Your Policy

Insurance policies can be impossible to read and understand fully. But that doesn’t mean you shouldn’t do it. You should at least know what exactly your policy covers. 

Misunderstanding or not reading your policy thoroughly could result in disappointment when you might have to file your residential claim. For example, many people think having flood insurance will cover any water damage that might happen to their property when that just isn’t true. Flood insurance is different from other water damage insurance like ‘water backup’ coverage. Knowing what your policy covers exactly is important. 

Make sure you read the whole contract. If you have any trouble understanding, it is a good idea to contact an agent for assistance. You can contact Alpha Public Insurance Adjusters at (888) 442-5742 if you need any assistance in understanding or filing residential claims in Boca Raton, Florida.

Failure to contact the insurer on time

You need to contact your insurance company as soon as you possibly can after a disaster has occurred. As most claims rely on physical evidence or eyewitnesses, the faster you report to your insurer, the better it is. Some policies require you to file your claim within a certain period of time after the incident has taken place. Some policies may also give you up to a year to file your claim, but waiting does not benefit anyone. 

The damage you may have incurred will not get better with time. Report to your insurance company right away so you can start repairing your property and start moving on from the disaster. Delaying your report might even make your insurance company doubt the severity of your incident and damage. 

Failure to Retain and Document Damaged Property

Leave everything on your property as it is after the incident. After you contact your insurance company, they will have an adjuster inspect all the damages to your property. Leaving everything as it is is important as it is usually a requirement in most residential policies to set the damaged property aside until it has been examined. 

The best thing you can do is take pictures and document everything on your property before an incident occurs. Not many people think of taking pictures of their property until after a disaster has occurred. Having documented proof of what you had in your home before a disaster will help in a big way when settling your residential claim.

Retain all your damaged goods until they have been inspected completely. Have documented proof with pictures, brand names, and even model numbers if possible. All of this will help get you the true full value of all the stuff that might have been damaged on your property.

Contact Alpha Public Insurance Adjusters

Alpha Public Insurance Adjusters knows how hard it is to get what you deserve from insurance companies when you don’t fully understand the subject. Give the experts over at Alpha Public Insurance Adjusters a call at (888) 442-5742. We are here and ready to help!

If you need help filing any insurance claim, our team will ensure you and your property are fully protected. Visit our website to learn about, or contact our experts to fill all your commercial or residential claims in Boca Raton now!