Home Owners Insurance Claim

After a Loss - Home

What to do after a loss:
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What To Do After a Loss to Your Home
Report the loss as soon as possible as indicated on the How to File a Claim tab. The faster you report your claim, the sooner we can help you. If you are not able to continue to live in your home after the damage, please tell us or tell your insurance company when your report the claim.

Protect your property from further damage by arranging for reasonable temporary repairs as soon as possible. For example, if windows are broken, have them boarded up to protect your home and property against vandalism or weather damage. If you have water damage, pull up the wet carpets, remove any water and put fans around the room to dry the carpet and walls as soon as possible. Don’t worry about jeopardizing your claim by making the necessary immediate repairs. The claim adjusters are trained to assess all of the damage and will be able to do so even though repairs have been done.

Keep an accurate record of all temporary repair expenses (e.g., bills and/or material receipts) so that you can add the amount to your claim. Also, keep an accurate record of any and all expenses incurred to be considered for possible reimbursement. Please do not make any permanent repairs until the insurance adjuster has had a chance to review the damage. You can bring the receipts to our office or give them directly to the claim adjuster when he or she comes to see the damage.

Determine the damage to your personal property (contents). Make a written list of what was damaged. To be as accurate as possible, please include the manufacturer, brand name and the place and date of purchase. We recommend beginning this process by dividing your list into broad categories such as location (e.g., living room, bedroom #1, bedroom #2). If available, photographs, videotapes or personal property inventories are valuable resources during the itemization process.

Separate damaged and undamaged property. In order to complete a full assessment of the loss, your claim adjuster will need to inspect all damaged property. If possible, place damaged items in a secure area where they can be inspected. If you are unsure about any item, please include it with the damaged property.

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Del Rio, Texas

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Del Rio, TX

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