Do you have 45 minutes?
In 2018 about one in 20 insured homeowners filed an insurance claim for loss under their homeowner insurance policy. The most common claims are wind, hail, water damage, and freezing. Southeast Texas has had more than its share of wind, hail, and water damage claims. In 2018. Hurricane Harvey damaged more than 100,000 homes. Right now, we are in the 2020 hurricane season with two tropical storms in the Gulf of Mexico.
If you currently in the middle of your homeowners insurance coverage period, what is the single most important thing you can do right now, to prepare, in the event you suffer a loss and have to file a claim?
Take photos of every room of your house, its contents, your car and your yard. This should take about 45 minutes. This will document what you have, before there is a loss, and is invaluable if you ever have to file a loss claim after an event.
For more information on how to prepare for a loss claim and maximize your reimbursement BEFORE THE STORM, go to https://www.fmins.com/blog/keep-6-receipts-make-insurance-claims-easier/
If you have questions about your insurance coverage, or if you need help in making a claim, contact the Law Office of Elliott Klein for a consultation.
1Insurance Information Institute; https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance