Over the years, we have had our share of bad storms in this Middle Tennessee area. There have been recent storms in other parts of the country that had damaging hail that caused extensive damage to a lot of properties leaving many residents left with extensive damage to their property.
According to LexisNexis Risk Solutions, hail is the top cause for home insurance claims and losses outside of catastrophic weather events.
If this happens to you, hopefully you know we’re here and ready to help make any claim situation you are confronted with as easy and smooth as possible.
The first step is to understand your policy and coverage, including replacement costs.
Then, assess the damage by inspecting your car or home for structural damage. Take photos to document everything. We encourage our policyholders to make temporary repairs after documenting everything to prevent further damage. That includes boarding up holes with plywood or covering leaks with plastic sheeting. We also recommend homeowners save receipts related to home repairs, car towing, temporary housing, meals or other living expenses. Our companies – in most cases – indicate that those items may be eligible for reimbursement after any required deductibles are met.
Next, contact us or your insurance company direct at one of their 24/7 claim numbers. You can find those here!
Here are some other important FIRST STEPS to consider if you have a possible claim!
• Take reasonable steps to prevent potential safety risks and/or further damage.
• Keep accurate records of what you spend on repairing things.
• Separate items that may be cleaned and/or repaired.
• Check with your claim representative before you discard any items you plan to claim as damaged.
• Review your policy for specific coverage information.
If Anyone is Injured
• Report it immediately to your agent.
• Obtain names and addresses of any witnesses.
• Don’t make voluntary payments, obligations or expenses outside of emergency first aid.
Contractor Tips
• While there are many good contractors, please be wary of those who might try to capitalize on the storm.
• Shop around. Seek recommendations and check credentials.
• Always have a written, detailed estimate.
• Never pay for work up front.
• Never sign a contract with blank spaces, which could be altered later.
Claims are nuisance to say the least. But you pay for insurance to have assistance both with the process of a claim and money to get your damage repaired. We’re here to help and if our offices are closed, our companies stand-by to help. We want your claim to be the least interruption possible.
Contact Us
Feel free to EMAIL us at info@BentonWhite.com or TEXT or CALL – 615.377.1212 if we can help you with your insurance. We’re here to help you be prepared when you’re home or when you travel. It’s what we do as we earn your business!
