What to Do When Property Damage Occurs
When damage happens to your property, it can be devastating if it’s something you valued. It is important to protect your property at all cost but sometimes this might not be possible, and damages may befall your property.
Property damage is the destruction of public or private property by a person who could either be the owner or not or caused by acts of nature such as floods, fire, and natural disasters. It could happen through inflicted damages such as domestic disputes and vandalism leaving items broken and destroyed.
Negligence can also lead to loss or damage of property. However, the damage that results from natural disasters such as storms, floods, and others may be difficult to control, and your safety should be a priority. It’s advisable that you be knowledgeable of your surroundings and climate conditions and take preventive measures to safeguard your property from the common disasters associated with that particular area.
However, since you cannot guarantee the safety of your property all the time, it’s important to have an insurance policy that covers your property in case of any damage. An insurance cover will save you from severe losses that may result from property damage.
Steps on What to Do When Property Damage Occurs
- Call the police
If the property damage is as a result of vandalism or an accident, call the police and file a report on the events that took place. The insurance company will need this report before they start your claim process.
- Notify Your Insurance Company
Call your insurance agent and give all the details as accurate as possible about the events that took place leading to the property damage. Give out your details such as your policy number, name and the location where the property damage occurred.
Write down all the relevant information regarding the property damaged. Take pictures of the scene and the items damaged for your record. If you have photos of the property before the damage the better, you can use them for comparison.
- Control additional damage
It is your responsibility to prevent further damage from happening to your property by taking necessary precaution measures. However, take caution not to tamper with evidence. Have pictures or videos of the scene before taking the temporary measure of protecting your property from further damage.
- Temporary Repairs
You may need to hire someone to do minor repairs to prevent losses, or if it’s your house you will need to make it livable as your insurance processes your claim. Document all the receipts for reimbursement by the insurance company.
Property damage compensation by insurance companies can sometimes be an involving process coupled with the confusion of possible loss of your property; you might not be in the best state to capture everything.
Getting the services of a claim adjuster might help in checking with your insurer on what emergency steps you can take and according to the terms of your policy.
The claim adjuster will also help with inspection of your property before any repairs and replacements. They also assist with monitoring of the whole process by keeping a record of all the expenses and liaising with your insurance company.