We think of our homes as safe places, but severe weather and crime can threaten that sense of security. Mother nature can roar through Tulsa, leaving behind hail and lightning damage and spinning up tornadoes. Homes can be leveled or heavily damaged.
Fire might fill a home with smoke, forcing occupants into temporary housing. Theft could leave residents without essentials they need until they can be replaced. These and other hardships will force victims to depend on their homeowners insurance providers.
The claims process can be made intentionally difficult, but having the right documents to show what’s been lost and the value can only help speed things along.
Providing Information to Your Homeowners Insurance Company
Filing out a damage claim will involve a lot of documentation. If you kept good records of your belongings and properties before a tragedy hits, you’ll be ahead of the game when it’s time to fight a home insurance company for support.
You’ll have no trouble providing your address and your phone number, but how can you prove what you owned and how much you paid? The items may have been destroyed in something like a fire, along with the deeds and receipts.
There are a few things that will help you communicate to your insurer what’s been taken from you.
These are a few pieces of information that can help shorten your wait for insurance compensation:
- 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. Tulsa 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 Tulsa 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 a Tulsa 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.
