A person’s home is their castle so most homeowners
maintain their property and have insurance to protect their investment.
Unfortunately, weather related and man-made events that are out of a
homeowner’s hands can cause damage or loss to a person’s home and belongings.
These events can range from theft and
vandalism; faulty plumbing and electrical hazards; to natural disasters such as
flooding, tornadoes and hurricanes. In
the event damage does occur to an insured property, a policy holder that has
never had to file a property damage claim may be unsure of what steps should be
taken next.
The insurance claims and property damage
experts at Hudson Douglas Public Adjusters provide the following advice:
- If a crime
has taken place due to theft, arson or vandalism, report the incident to
the police.
- Notify the
insurance company.
- Make any
temporary repairs if they will protect the property from further damage,
but do not begin other types of repairs until they have been approved by
the insurance company.
- Consider
hiring the services of a licensed public adjuster to represent the claim
on the policy holder’s behalf to ensure that all damages are properly valued
for repair and/or replaced.
- Make a
detailed list of known damages
- Do not throw
out damaged materials and belongings.
- If temporary housing is required, keep all receipts.
“While many homeowners may not be familiar
with the services of a licensed public adjuster, these professionals work
solely for their customers to ensure
that they are treated fairly and that no details are overlooked,” said Tom
Allen of Hudson Douglas Public Adjusters, LLC. “As public adjusters, we only represent the
policy holder so our clients can rest assured that their interests are our only
focus. Expediting the claims process,
handling negotiations with the insurance company, and making sure that the
client is awarded full coverage benefits are just a few of the things we do to
help our clients quickly return their properties to pre-damage conditions so
they can get back to their lives.”
The services of Hudson
Douglas Public Adjusters are available for residential and commercial policy holders in Arizona, Utah, Nevada, Colorado, New Mexico, Ohio, Pennsylvania
and New Jersey.
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