Speed ​​up the claims process after tornadoes

Update after the Oklahoma City nearby communities are cleaning up a huge tornado hit the region in May 20 as the destruction of homeowners surveyed, many people might want to take any steps to speed up the insurance claims process, so that maintenance can be done quickly.

Standard homeowners policy to cover wind damage to the home and its contents. Check the coverage, however, to ensure that your home is insured reconstruction costs will amount (rather than market value), it will not have any surprises in the claims process. And to ensure rapid and smooth process, follow these tips Insurance Information Institute:

Give detailed DESCR your insurance agent iption damage your property. Your agent will report the loss to the insurance company or adjust qualified, who will contact you to arrange an inspection.

Take the damaged property , if it is safe to access the area of ​​the photograph. Photo files will help the claims process, and may assist in the investigation of the regulation.

Prepare all damaged or destroyed personal property and a detailed list of two copies – one for yourself and one for the adjustment. Your list should include a description of the project, purchase or approximate age of the date of the purchase cost and estimated replacement cost.

Collect canceled checks, invoices, receipts or other documents , which will help get the R value in adjuste destruction of property.

Make whatever temporary repairs on it. Cover broken windows and damaged roofs and walls, to prevent further damage. Save your receipt to make any purchase of supplies and materials for temporary repairs for your insurance company will reimburse you for reasonable expenses.

From a licensed contractor to secure permanent repair to your home or business a detailed estimate and adjust to it. Estimates should include recommendations maintenance, repair costs and replacement prices.

Keep all costs , such as hotels and foodWantonly record earnings, if your home is badly damaged, you need to find other accommodations while repairs are being made. HomeownERS policy will pay for living away from home, the cost of insurance if it has been destroyed, disaster away.