Winter is coming, and so might be unexpected damage to your home. While you may not be able to entirely prevent storm or other home damage this winter, holding an active home insurance policy and finding a trusted insurance attorney can help you rebuild.
While it may feel like a no-brainer, holding a home insurance policy can save you money in the long run. Your home insurance should protect you against property damage from natural disasters or unforeseen incidents, such as snowstorm damage, fallen trees, or other damage detrimental to your home.
Filing an Insurance Claim
You should first document the damage when you find that a storm or another incident has damaged your home. Next, you should contact your insurance attorney to begin setting up your insurance claim. In your claim, it is important to include:
- Documented structural damage from the incident
- Damaged furniture or appliances
- Any other possessions in the home which were damaged as a result of the property damage
Your claim should include pictures or video to display the damage to your insurance company. With this evidence, your insurance attorney will then guide you on filing your claim and ensuring that everything pertinent to the damage is included.
Rebuilding Your Home
With your claim, damage assessment, and home valuation, your insurance company may give you a payout to help you rebuild your home if the damage is covered under their policy. With this money, you can hire contractors to help you rebuild or repair damage and potentially even cover living expenses for the period where you are without your home.
Why Use an Insurance Attorney?
While filing a home insurance claim, it can be overwhelming while you ensure that you have everything documented and filed correctly. Find an insurance attorney who is on your side and will guide you in your insurance filing. By hiring a trusted insurance attorney, you can get your insurance claim right the first time, saving you money and resources as you rebuild or repair your home. Especially in the winter months, it can be uncomfortable to live in your home with broken windows, holes in your roof, or exterior building damage, causing you to find housing elsewhere until your home is repaired.
If you are a victim of property damage, call our Des Moines insurance attorneys at (515) 298-5056 today to schedule a free consultation.