{"id":2165,"date":"2022-12-16T11:01:32","date_gmt":"2022-12-16T16:01:32","guid":{"rendered":"https:\/\/www.policyadvocate.com\/?p=1732"},"modified":"2022-12-16T11:01:32","modified_gmt":"2022-12-16T16:01:32","slug":"best-practices-for-filing-a-homeowners-insurance-claim","status":"publish","type":"post","link":"https:\/\/fire.h50.us\/~morganpolicy\/blog\/best-practices-for-filing-a-homeowners-insurance-claim\/","title":{"rendered":"Best Practices for Filing a Homeowner\u2019s Insurance Claim"},"content":{"rendered":"<p>At <a href=\"https:\/\/www.google.com\/maps?cid=2068363622310436038\">The Morgan Law Group P.A.<\/a>, our insurance claims attorneys know that the holidays can bring multiple challenges that lead to homeowners filing claims with their insurance providers.<\/p>\n<p>Unfortunately, during the winter holidays, U.S. fire departments respond to an estimated average of 800 home structure fires per year that began with decorations, excluding Christmas trees. These fires caused an annual average of one civilian fire death, 26 civilian fire injuries, and $13 million in direct property damage, <a href=\"https:\/\/en.wikipedia.org\/wiki\/National_Fire_Protection_Association\">according to the National Fire Protection Association<\/a>.<\/p>\n<p>Dried-out Christmas trees, candles, cooking hazards, and electrical problems can also increase the risks of <a href=\"https:\/\/www.policyadvocate.com\/insurance-claim-cases\/fire-damage-claims-attorney-florida\/\">house fires<\/a> throughout <a href=\"https:\/\/www.myflorida.com\/\">Florida<\/a>, <a href=\"https:\/\/www.policyadvocate.com\/mandeville-louisiana-insurance-claims-attorney\/\">Louisiana<\/a>, Mississippi, <a href=\"https:\/\/www.ca.gov\/\">California<\/a>, and <a href=\"https:\/\/welcome.topuertorico.org\/\">Puerto Rico<\/a>.<\/p>\n<p>When they do, or when other damaging circumstances arise, we want our fellow residents to have the best opportunity to pursue their homeowner\u2019s insurance coverage for their complete damages, so they can get their house back in working order faster.<\/p>\n<p>Here is the best way to get started on your homeowner\u2019s insurance claim.<\/p>\n<h2>Positive Steps to Improve Your Homeowner\u2019s Insurance Claim Results<\/h2>\n<p>There are multiple steps you can take to ensure your damages are documented, and that your homeowner\u2019s insurance claim is taken seriously by your insurance provider.<\/p>\n<p>They include:<\/p>\n<ul>\n<li>Create a log of the incident. This should include an itemized list and the description of the <a href=\"\/blog\/understanding-the-property-damage-claim-settlement-process\/\">property that was damaged<\/a>, along with pictures supporting your claim.<\/li>\n<li>Make necessary repairs to your property. Your policy may require you to make reasonable repairs right after an incident to protect the property from future damage. Otherwise, your coverage may not protect the additional damage.<\/li>\n<li>Contact your insurance representative to inform him\/her of the damages.<\/li>\n<li>Gather repair estimates on your own. The insurance company will send an adjuster to assess the damage, but that individual works directly for the organization that is going to write you a check. That means his or her estimate of your damages may be swayed by their employment.<\/li>\n<li>Compare the estimates and note where your insurance provider\u2019s assessment differs from your third-party valuation. Also, note any areas where the insurance company states that the damage is not covered by your policy.<\/li>\n<li>Contact our experienced homeowner\u2019s insurance claims attorneys to discuss your insurance coverage, damages, and how a third-party adjuster can outline your complete damages in one report, instead of multiple estimates, so the insurance company will start taking your claim seriously.<\/li>\n<\/ul>\n<p>The reality is, no matter how quickly you report the damages to your home, or how closely you follow the best practices to pursue a positive outcome, your insurance company is not simply going to write a blank check for your damages. We can help ensure they stand by the coverage you pay for, so you can pursue the best outcome.<\/p>\n<h2>Contact Our Insurance Claims Attorneys Today to Discuss Your Claim During a Free Consultation<\/h2>\n<p><a href=\"https:\/\/www.policyadvocate.com\/contact-us\/\">Contact<\/a>\u00a0our experienced\u00a0<a href=\"\/\">insurance claims attorneys in Florida<\/a>, Louisiana, Mississippi, California, or Puerto Rico by calling <a href=\"tel:888-904-2524\">888-904-2524<\/a> to schedule a free consultation and learn how we can help you understand your coverage details and pursue the outcome you deserve from your insurance policy without further delay.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At The Morgan Law Group P.A., our insurance claims attorneys know that the holidays can bring multiple challenges that lead<\/p>\n","protected":false},"author":1,"featured_media":1800,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-2165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Practices for Filing Homeowners Insurance Claim<\/title>\n<meta name=\"description\" content=\"Know the best practices for filing a homeowner\u2019s insurance claim. 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