If your home has suffered unexpected damage, whether from a storm, burst pipe, or fire, you may be wondering what to do next. Filing home insurance claims can feel overwhelming, so it’s important to be prepared and know what to expect ahead of time.
Step 1: Assess the Damage and Decide If You Should File a Claim
To start the home insurance claim process, you need to assess the damage to your home.
If the cost of repairs is significantly higher than your deductible, filing a claim might make the most sense for you. However, for smaller repairs, it may be more economical to handle them out-of-pocket to avoid potential premium increases.
For extensive damage affecting kitchens, bathrooms, flooring, or structural integrity, it’s usually best to initiate a home insurance claim immediately. Be sure to also review your insurance policy and understand what types of damage are covered under your plan.
Step 2: Document All of the Damage to Your Home
Before any home restoration or remodeling begins, take detailed photos and videos of all the affected areas. This documentation will support your claim and help the insurance adjuster understand the scope of the damage. Be thorough, and document everything that has been affected or damaged:
- Flooring and wall damage
- Damaged fixtures, cabinetry, and appliances
- Any water damage or signs of mold
- Personal belongings that were affected
The more detailed your documentation, the smoother the process will be!
Step 3: Contact Your Insurance Provider
Call your insurance company to report the incident and start the home insurance claims process. They’ll assign an adjuster to your case and guide you through required documentation and timelines.
Here are some things to ask your provider during the process:
- How long until an adjuster visits?
- What is your deductible?
- Are temporary repairs or accommodations covered?
Step 4: Meet the Insurance Adjuster
The adjuster’s job is to assess the damage and determine how much the company will pay for insurance home repairs. You can prepare for the visit by:
- Having your photos, videos, and notes ready
- Listing damaged items with their approximate value
- Being present during the inspection to answer any questions
Step 5: Hire a Property Damage Contractor
Once your home insurance claim is approved, it’s time to choose a trusted contractor to begin repairs and restoration.
Depending on the extent of the damage, this could include:
- Structural repairs
- Flooring and drywall replacement
- Kitchen and bathroom remodeling
- Mold remediation
- Painting and finishes
When searching for remodeling services, it’s important to choose a company experienced in home restoration after damage, including flooding, fire damage, and storm recovery.
At Kitchen and Bath Builders, our team has experience and expertise in this area. We can help you find the right design, restore your home, and support you throughout the process.
Navigate Home Restoration With Confidence
Whether you’re just getting started with your insurance claim or mid-claim and need a trusted contractor, Kitchen & Bath Builders is here to help. Our team has the knowledge, tools, and craftsmanship to handle your home restoration from start to finish! Contact us today to get started.
