If your property has suffered damage due to the weather or other, unexpected causes, you are probably wondering how to file a home insurance claim. Handling such a claim is a difficult procedure that requires the homeowner to pay attention to a lot of details, to formulate applications in a professional manner and to meet deadlines – a task that public adjusters can help you accomplish successfully.

If your property has suffered any peril damages like deterioration caused by floods and hails or your home has been vandalized or robbed, here is a list of what to do and how to file a home insurance claim:

  • If your property was vandalized, the first thing to do is to inform the police about the incident and to obtain a written police report that contains the description of the damage and the details of the police officers who handle the case.
  • Make sure you document your case properly. If you are the victim of vandalism, do not dispose of damaged items and take pictures of what has been destroyed, too. This later measure is an absolute must in the case of weather-related damages as well – your insurer will require you to show evidence of what happened.
  • Call a public adjuster immediately – the sooner you take action, the better. They will evaluate the site of the damage and take care of the rest of the process: they will help you obtain repair cost estimates from independent contractors or other experts who can evaluate your loss, so that they can calculate exactly how much to claim from your insurer; the will put together and submit your case documentation and negotiate with your insurer’s adjuster for the final amount of compensation.

Now you know a little more about – take action accordingly, and we wish you good luck with your case!

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Leonard Pisciotto, Jr. is the Owner of Equitable Public Adjusters & Appraisers, and Licensed as a Public Adjuster by the State of Florida.He has over 10 years of handling claims for one of the largest insurance companies in Florida, has Developed and managed a claims office of 20 Claim Adjusters.In addition, Mr. Pisciotto, Jr. is a Claims law graduate and Stetson University graduate.

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