My living room is flooded! Now what?

 

 

Insurance is one of the few things that you buy and hope you never need to use. When damage to your property occurs, it is understandably upsetting. From theft to water damage to hurricane and storm damage, the best way to prepare for these situations is to familiarize yourself with the claims process ahead of time. As always, consult your agent now to determine what is covered in your policy before an event occurs.

 

The claims process…What to do when damage has occurred.

 

1.      Call your agent to report the claim if it is during business hours. They can assist you with filing your claim. If you are a customer of Ruggeri Insurance Agency, we have all our company claims phone numbers listed on our website along with valuable information to help you prepare before a claim occurs.   www.ruggeriinsurance.com/resources

2.      The claims agent from your insurance company will take your information or direct you to an emergency service provider who will respond to stop further damage or begin the necessary repairs.

3.      Do everything that is safely within your capability to stop the damage from continuing while waiting for professional assistance from a plumber, Servepro, etc.  

4.      A claims agent will follow up with you soon after to determine if you need to be relocated because of the damage. You may need another place to stay due to the condition of your home.

5.      Document everything. Take photos or videos of the damage. Keep receipts of meals, hotels and a list of contacts. You may be reimbursed for these expenses in accordance with your policy. (Review your policy ahead of time to see what is covered.)

6.      A claims representative or field representative will assess damages and assist you you with beginning the repairs to your home or property.

7.      Claims are not considered “closed” unless the company and you decide that everything has been repaired to your satisfaction.

 

Should you have any questions, please contact Ruggeri Insurance Agency at (941)966-5900. We are here to assist you in understanding this process before and during a loss.

Disclaimer:
All content provided on this blog is for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. The owner will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information.
This policy is subject to change at anytime.