How do I document my damages?
First, the NUMBER ONE OBLIGATION of the Insured (that means you) is to mitigate additional damages to your property. Failure to do so can ultimately affect your coverage. Click Here to Get Help Now!
Second, proper documentation immediately pursuant to a loss event is critical to helping your insurance company value your loss and arrive at a fair settlement. At a minimum, you should consider doing the following:
- Take Photographs and Video - of affected areas and damaged goods
- Keep a journal - Whom did I speak with and what was said?
- Prove your case – most replacement coverages are for “like kind and similar quality”
- Keep a sample of your carpet or any other damaged building materials
- Do not throw any content items away until you have reached a settlement
- Gather receipts, plans and specifications relevant to any damages
- Get estimates – for both building repairs and the replacement of contents
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