Hail stones fall at different speeds and can cause significant damage to windows, roofs, fencing and even the interior of the home. When hail damage is sustained, you should try to collect for hail damage to a property by going through the insurance company that is providing coverage for your home or business to help compensate for losses to property or help to pay for repairs. Does this Spark an idea?
Instructions
1. Find a copy of your property insurance policy and read the specifics about coverage for hail damage.
2. Walk around the exterior and interior of your home to survey the damage. Photograph and inventory all the damage to help you document your case for the insurance company.
3. Report the hail damage to your insurance company, including the day and time of the storm.
4. Meet with an inspector from your insurance company to survey the damage. The inspector will create an estimate for the cost of repairs and the irretrievable loss of property. You may need to provide a list of and receipts for damaged personal property such as computers. Make sure that you sign any required documentation and ask for your own copy.
5. Keep track of your expenses for cleaning and temporary repairs. If your home is not habitable, keep all receipts for your lodging expenses.
6. Receive the check from the insurance company. Determine whether it needs to be given to your mortgage company or may be cashed by you personally. Normally, if you owe money on your home, you will need to sign the check and then send it to the mortgage company who will hold it in a protected account until all damages or a percentage of damages are repaired.
7. Select a qualified contractor to complete the repairs on your home. A mortgage company or insurance company may have specifications in choosing your contractor. Make sure that you follow all guidelines to make sure that the repairs are up to code.
8. Ask for copies of all the documentation during the repair process, such as receipts from window replacement. Pay the contractor after all repairs have been made. Your insurance company may require that they inspect the property before the mortgage company releases the funds to you to pay the contractor.
Tags: insurance company, your home, hail damage, mortgage company, sure that, Make sure
