Sometimes, despite our best efforts, disaster strikes. If you have a home insurance policy, you have the peace of mind that you’ll be able to replace most of your belongings and repair your home in Florida, Georgia, or South Carolina. Here are seven facts that break down the claims process in case you find yourself in this unfortunate situation:

• Contact the authorities: If your losses are due to a crime, like vandalism or burglary, you must first call the police. Your insurance company will require a police report to start the claim. 
• Contact your insurance company: You should also contact your insurers as soon as possible after the incident. Your agent will assign your case a claims number and an insurance adjuster.
• Document the damage: Make a list of all your damaged items. Take as many pictures and videos of the damage as you can. 
• Cooperate with the insurer: To ensure a fair payout, cooperate with the insurer and provide any necessary documentation during the claim investigation.
• Make temporary repairs: If necessary, make temporary repairs to prevent your property from deteriorating further.
• Keep all receipts of repairs: Make sure you keep all receipts concerning additional living expenses and repairs somewhere safe. 
• Hire a public adjuster: If you don’t like the insurance company’s adjuster’s job, you can hire a public adjuster to investigate on your behalf.  

It’s important to remember the specifics of each policy’s coverage varies with each one. You must read your policy carefully and discuss questions with your trusted advisor at Zot Insurance Agency in Davie, FL. We’ll give you the advice you need to ensure your coverage is protecting you in the way you need.