After someone or something damages your home, your first step is to protect your legal rights. This is very important to keep in mind at all times during the insurance process. The best protection of your legal rights is home insurance claims lawyer. They have the resources and time to fight for you. After your home faces serious damage, you will likely be living elsewhere. The last thing you should have to handle is your insurance fight.
After securing legal representation, you should first follow their expert advice. Likely, your next step is to contact the police if necessary. You should call the police in instances of vandalism, intentional destruction by another person, or if someone’s accident caused the damage. The police will be able to investigate and provide you with a detailed report for the insurance company.
Incidentally, the next call is the insurance company. It is common for there to be some delays if a natural disaster occurred in your area. Still, the insurance company cannot arbitrarily delay your claim for an unreasonable length of time. The claim process may require picture evidence of your damaged property. Even if you are not required to do so at this stage, take pictures anyway and store in a safe place.
If you need to leave your home, keep your receipts. Some insurances will reimburse you for hotel or motel stays during the time that you could not live in the home. Know that some insurance policies may cap the reimbursable amount.