Life in Oklahoma City can get pretty turbulent sometimes. Residents can watch as their homes are destroyed by fires, tornadoes, floods, large hail, and even earthquakes. People can also have their homes or businesses damaged by criminals or by careless neighbors.
A fire or a flood are bad enough, but then vulnerable victims must often take on their own insurance companies to get basic support. Being prepared for an insurance claim before disaster strikes is one way to make the process go quicker and to keep insurers from ducking their responsibility.
There are a few documents and records that will come in handy when you have to file a homeowners claim.
Providing Information to Your Homeowners Insurance Company
Your insurer might ask you for a lot of your personal information after an incident. You probably have all these details memorized.
You should also strive to have these resources ready to speed up the claims process and to keep insurance adjusters honest:
- A list of destroyed or damaged items. Receipts for the original purchase of the damaged item. It’s easier to produce this list if you kept a home inventory before the disaster struck. OKC homeowners should strive to fill out a home inventory and update it. Keeping a list on your phone might be the safest place to create this list and protect it.
- Video and photos of the items that were damaged. Before and after shots will be helpful.
- Receipts you may have kept for your lost items.
- Titles, deeds, and serial numbers for property.
- Make sure you are clear on the date of the damage and the address.
- A police report. If your property was damaged or stolen in a criminal act like arson, theft, or vandalism, you should provide a copy of the police report.
- Receipts for costs of housing if you can’t move back into your damaged residence.
- Damage repair estimates you’ve personally had evaluated.
- Repair bills for things you’ve already had fixed.
- Make sure you have a copy of your insurance policy and policy number to refer to.
Collecting evidence for your case is one advantage a skilled Oklahoma City Homeowners Insurance Claims Lawyer provides. Your lawyer can track down copies of documents and proof of ownership that may have been lost.
A Ylla|Gosney Attorney also makes sure you receive everything promised in your policy. We can often increase the level of support you receive by making sure insurers assign a fair value to your damage and what you’ve been through. You must get everything you need to fully rebuild and get back to your normal life.
Contact an Oklahoma City Insurance Claims Lawyer
If you have major damage from a disaster like a storm or a fire and are worried about getting full support when you file your claim, contact Ylla|Gosney for a free case consultation. You should also speak to a lawyer if you’ve been underpaid for your damages or if your claim has already been unfairly rejected.
There’s no obligation for this free case review. We will sit down with any victim in Oklahoma and help them sort out their best options.
If you require our help to get the support you need, you won’t need any money to hire a Ylla|Gosney attorney. We don’t get paid unless we win your claim for you. Then our fee comes out of the support an insurer is forced to pay to you.
