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The Disaster Restoration Process: A Guide To Dealing With The Insurance Company

The stress and trauma that can come with a disaster in your San Antonio home can be incredibly overwhelming. There are dozens of thoughts going through your head, and a seemingly endless list of things you must take care of as soon as possible. You certainly don’t want to have any additional headaches on top of the damage to your home, such as the insurance company. Luckily, there are disaster restoration companies that can guide you during the process. They can help at every step of the way in dealing with your insurance company, whether your home was damaged by flood or you need fire damage reconstruction. Here are some tips for working with your disaster restoration company and with the insurance company.

 

First Call The Disaster Restoration Company

After the disaster has ended and you and your family are safe, you can contact the recovery company. They can assess the damage and give you an idea of the costs associated with reconstruction. They will be able to advise whether you need flood damage repair, fire damage reconstruction, or hopefully just cosmetic fixes. They can give you advice as to whether you should even go through insurance. They are very knowledgeable with policy coverages and will also deal directly with your insurance company on your behalf. You can be sure they have your best interest in mind.

 

Don’t Avoid The Situation

In overwhelming situations, human beings have a tendency to shut down and pretend that there is nothing wrong in order to avoid being stressed. You can’t do this after a disaster, however. The longer you take to act, the more likely that your home will incur even more damage. Most restoration firms are 24 hours a day, so contact them as soon as you can to get your recovery process started.

 

Gather Evidence

The most important factor in any successful insurance claim is the evidence that you give to the insurance company. As soon as it is safe, you should start collecting and cataloguing evidence. The disaster restoration company can help with this as well. Take as many photographs as you can. This way the extent of the damage will be documented thoroughly, and you won’t be left with simply describing the situation. Your recovery specialist will take pictures as well, but you can never have too many. Even if you do not consider yourself to be a skilled photographer, you never know what photo might be the key to your claim.

 

Don’t Be Shy

Being passive with an insurance company is not an option. They are looking for ways that they can deny or reduce your claim, so you must be aggressive in fighting for what you are entitled. Your disaster relief company can fight on your behalf to make sure that the insurance company fulfills its obligations. They will know the strategies and the evidence to use to protect your interests and to make your claim successful. They can be aggressive on your behalf if you are not able to or if it is against your nature.

 

Patience Is a Virtue

Sadly, one thing that you may never be able to change is wait times. After filing your claim, it may be a long time before the process is over. After you’ve followed all the proper steps and filled out all the paperwork, you must be patient. Your recovery firm can keep you updated if there are any developments.

 

Home disasters are frustrating, stressful, and traumatic. Make sure you have someone on your side to help you file your claim with your insurance company.