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If you're home has been damaged by a covered Peril homeowners insurance, you will need to file a claim with your homeowners insurance company. In a perfect world, you'd call at 800 number and a friendly insurance CSR would send out a knowledgeable insurance adjuster to your home. Once the insurance adjuster arrives, he'd cut you a check and you'd hire a contractor to perform the repairs. Soon, your home has been restored!

But this is not a perfect world. Yes, you call an 800 number and a friendly CSR. Yes, a knowledgeable insurance adjuster come to your home and write a check. Yes, you hire a contractor to perform the repairs. But, the study large enough?

Insurance adjusters are certainly skills, but they do not always have your interests in mind. Moreover, the insurance industry requires tons of paper and documentation. The burden of proof lies with you, the homeowner. You need to provide your loss and the struggle for every penny.

Since you have your losses, you need to document everything. If the damage has already been done, run through hundreds of photos as you need them later. Photo everything because details matter and the debris must be pulled away sooner rather than later.

Take extensive notes. In fact, a notebook by your side at all times and write down your ideas as they come to you, so you will not be forgotten. For example, if your house burned to the ground, and you have no inventory the contents of your home, you have to be on your memory. In the middle of the night, you might remember that you had a set of Waterford Crystal wine glasses. Write as you remember. You may also have taken photos of a glob of molten glass in the debris, which can be used to make your claim.

Learn your rights. Your insurance may cover the cost of living for a longer period, or reimburse you for emergency repairs, but they can not, that the information is voluntary.

Mobilization of assistance from a third party. A third party such as a contractor or a public insurance adjuster document can help you recover the damage and maximize your insurance claim. For example, if your house has water damage, a qualified water damage restoration professional knows what to look at how damaged base, carpet, when replaced, drywall and insulation, which is to be replaced, electrical damage, and so on, in Considering that an insurance adjuster only approve a carpet cleaning.

Depending on the nature and extent of the damage, you need outside help. Either way, you will benefit by learning about what's involved and sticking up for your rights. If your house was not damaged, take the time for a thorough home inventory and store your photos, videos and other documents in a safe place like a safe.

Mark Decherd
Dryout Inc.
Water damage
http://www.dryout.net