Home Insurance Leads Lakewood Colorado CO

Reader’s Question:

How do you make claims for hurricane damages? I have home insurance policy in Lakewood, Colorado CO?

Spencer

Lakewood, CO

If you make claims from your home insurance in Lakewood Colorado CO, make a list of the details of the damaged property such as models, makes, and serial numbers. It is always a good practice to take pictures of the damaged items, if possible. To establish value and age, make sure to organize old bills and receipts, if they are available, Work from memory, if necessary. Just do not throw anything away until the adjuster has a chance to inspect and appraise it.

You also need to identify structural damage like ones at your garage, sheds, and pool. Do not forget to look for cracks and missing roof tiles or shingles. You might want to consider hiring a licensed engineer to identify damage you can’t see. A good electrician can inspect the electrical system and a plumber review the plumbing system (most policies cover these inspections). Get bids for the repair work.

Have your home insurance adjuster appraise the damage. Your local insurance agent in Lakewood Colorado Co should be able to arrange this for you at no charge. You can also hire a public adjuster for a fee. When your adjuster comes, ask for a complete inspection and appraisal. If it cannot be completed at one time, you might want to have it arranged for a second look. Be sure to identify all damaged areas of your home to get the most accurate appraisal.

You might want to complete the “proof of loss” forms, which will be sent to you by your insurance company in Lakewood Colorado CO. You need to return them as soon as possible and keep copies of all forms you send back. It is best to send copies of lists and other documents as needed to prove your losses, making sure to keep the originals.

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