Hammered by hail?
Hail stones crashed through windows, dented vehicles and damaged roofs Wednesday afternoon. Homeowners insurance covers damage from wind and hail, and damage to vehicles from hail and flooding is covered if you carry comprehensive insurance on your auto policy. Great! Now what?
The Rocky Mountain Insurance Information Association. recommends that you take the following steps.
· Be prepared to give your agent or insurance representative a description of any damage. Your agent will report the loss immediately to your insurance company or a qualified adjuster. Some companies also have 24-hour, 800 numbers for claims assistance.
· Take photos of the damaged areas. These will help with your claims process and will assist the adjuster in the investigation.
· Prepare a detailed inventory of all damaged or destroyed personal property. Be sure to make two copies—one for yourself and one for the adjuster. Your list should be as complete as possible, including descriptions of the items, dates of purchase or approximate age, cost at time of purchase and estimated replacement cost.
· Make whatever temporary repairs you can. Cover broken windows, damaged roofs and walls to prevent further destruction. Save receipts for supplies and materials you purchase. Your company will reimburse you for reasonable expenses in making temporary repairs.
· Secure a detailed estimate for permanent repairs to your home from a reliable contractor and give it to the adjuster. The estimate should contain the proposed repairs, repair costs and replacement prices.
· Serious losses will be given priority. If your home has been destroyed or seriously damaged, your agent will do everything possible to assure that you are given priority.
