Your home is your most valued possession. Making sure your home is properly insured is a critical step for many homeowners. In its definition, homeowners insurance provides individuals and the items inside with financial protection from disasters. Additionally, it covers you from damage done to your property and any injuries that may occur to help avoid legal issues. Though insurance companies cover most disasters, flooding, earthquake, and sump pump failures are an additional policy that can be added to your coverage.
However, what do you do when you have an insurance claim? More often than not, this is a stressful process. In the emotional time, making sure everything is filled out right and ensuring that you have the right coverage becomes top priority when making an insurance claim. And the worst part is — there is a chance that your claim may be denied. According to the IPS Agency, there are a number of ways your insurance claim may be denied:
- The event was considered an uncovered peril
- The damages fall below the deductible
- The incident was planned
- The event was excluded
As you assess the property loss, there are several steps you can which help the insurance claim process:
- Determine the loss or damage
- Take plenty of pictures
- Consult with your agent or contractor to inspect the damage
- Have your contractor prepare a very detailed estimate written with industry approved software
- Ensure all damage is inspected with a thermal imaging camera & moisture probing equipment
- Make sure everything inside and out is accounted for
If you need help with any part of a property claim or should you have any questions, contact us today! We are Michigan’s leading insurance claim contractor for roofing and fire, water and storm damage clean up. We are 19 years in business and conveniently located on Telegraph Rd in Bloomfield Hills MI and can be reached at 248-333-3987.
We work with the following insurance carriers: AAA, Hastings Mutual, Acuity, All State, Amerisure, Auto Owners, Badger Mutual, Central Insurance, Chubb, Cincinnati, Citizens, EMC Insurance, Encompass, Farm Bureau Insurance, Farmers Insurance, Foremost, Frankenmuth Mutual, Freemont Insurance, Fremont Insurance Company, Grange Insurance, Great Lakes Casualty, Homesite, Amica, Liberty Mutual, Meemic, Michigan Insurance, Michigan Millers, Nationwide, Pioneer Mutual , Progressive, Pure, Safeco, Secura Insurance, State Auto, State Farm, The Hartford, Travelers, USAA, Westfield, Wolverine Mutual
