When filing a homeowner’s insurance claim, thorough documentation ensures you receive the compensation you deserve. At McLaurin Law, we often advise clients on what to document early in the claims process to maximize their claims. Here’s a quick guide to help you stay organized and protect your interests.
1. Photograph Everything
Start by taking detailed pictures of all damaged items and areas of your property. Capture multiple angles of each room and damaged personal belongings. These images serve as undeniable evidence of the extent of the damage.
2. Track Costs and Purchases
Document the value of your damaged personal property. Use receipts, credit card statements, or online purchase histories from platforms like Amazon to verify the original costs or current replacement values.
3. Keep a Timeline of Communications
Maintain a detailed log of all interactions with your insurance company, starting when you file your claim. Record the dates, times, and content of every conversation, whether in person or over the phone. Follow up verbal communications with written email confirmation to prevent misunderstandings or disputes later.
4. Get Repair Estimates
After the insurance adjuster inspects your property, obtain independent estimates for repair costs. These can help you identify discrepancies between the adjuster’s assessment and the actual cost of repairs, which is often a key factor in maximizing your claim.
5. Use Written Communication
Whenever possible, communicate with your insurance carrier in writing. Document phone calls by sending follow-up emails to confirm what was discussed. This helps prevent issues where the insurance adjuster may later deny or forget key details of your claim.
Proper documentation strengthens your claim and protects you from disputes with your insurance company. If you need assistance with your claim, McLaurin Law is here to help.
Schedule a free consultation today by visiting our website or calling us at 713-766-5621. Let McLaurin Law guide you toward the best possible outcome for your insurance claim.
