At Amy Tounget Insurance Agency LLC in Midlothian, TX, we are in business to provide hope, help, and restoration after a loss. Homeowners who suffer damage to their homes could face a significant financial burden.
A peril is a circumstance that causes damage to your home, such as a fire, windstorm, hail damage, explosion, or the weight of ice or snow compromising your roof. When a peril occurs, and it is one that is covered by your home insurance policy, there are certain steps you need to take to secure your home until your claim is processed and your home is repaired.
What to do after you file a home insurance claim.
After your home is damaged, you need to document and report a claim to the insurance company. You are then responsible for mitigating damages to prevent further damage. This could involve covering a leaky roof with a tarp, shutting off the water to your home when dealing with a busted pipe, or covering a broken window with plywood.
Part of mitigating damage is making temporary repairs to the property until a claims adjuster can assess the damage. You can also get an estimate for repairs to your property for materials and labor. After you file a claim, save receipts for any temporary repairs and other additional costs incurred to mitigate damage, and find temporary lodging options and meal costs. Then, submit your receipts to the insurance company.
Lastly, if another party caused the damage to your property, be sure to get their insurance information.
We are here to help!
Dealing with the aftermath of an unfortunate incident that damaged your home can be overwhelming and stressful. However, at Amy Tounget Insurance Agency LLC in Midlothian, TX, we are here to help you transition smoothly back to restoration. Give us a call at (214) 476-2544.
