How Do I Start the Process for Settling Insurance Claims After a Disaster?
The Insurance Information Institute suggests several key “first steps” for settling insurance claims after a disaster: contacting your insurance company immediately, making temporary repairs, keeping relocation receipts, and preparing for an adjuster’s visit. Contact your insurance company immediately . Insurance policies place a time limit on filing claims. Contact your company as soon as possible. The Texas Department of Insurance can provide you with the telephone number of your company if you do not have it. When you speak to your insurance company, ask the following questions: • What is my time limit? • What does my insurance policy cover? • Will the company send someone out to assess the damage? • Will I need to get estimates for repairs for structural damage? Should I wait until the company has sent someone to assess damages first, or should I go ahead and start this process? • How much is my deductible (the amount of loss you agree to pay yourself when you buy an insurance poli
