When you’re dealing with an emergency repair in your home, communicating with your homeowner’s insurance company can add to an already frustrating and stressful situation.
Dealing with homeowners insurance companies is part of handling damage to your home. When you’re a Triad Flooring and Bath client, we help you communicate with your insurance provider, educate you on your rights, and aid in keeping the process running as smoothly as possible. Here’s just some of what we will help you handle as a customer of Triad Flooring and Bath.
We Help You Understand Your Policy
It can be confusing trying to figure out what is and isn’t covered by your homeowner’s insurance policy. We can help go over your deductibles, limits, and exclusions so you know what you can claim and what you’ll need to financially cover yourself.
Each state has laws protecting homeowners against unfair insurance practices. For example, insurance companies are required to process claims in a certain amount of time. We can help explain your state’s insurance regulations and your rights under the policy.
We Assist in Documenting the Damage and Track Expenses
As soon as possible, you’ll need to document the damage by taking clear photos and videos. Capture wide-angle shots and close-ups of affected areas, making sure to get a good sense of the extent of the damage. We can help you create a detailed list of damaged or destroyed items, including their approximate value.
If you need to make temporary repairs to prevent further damage (e.g., covering a leaking roof with a tarp), keep receipts and document your efforts. Most policies will reimburse you for reasonable emergency repairs
We’ll Help You Report the Claim Promptly
Many insurance companies have time limits on when claims can be filed after damage occurs (usually within 24 to 48 hours). Report the damage as soon as possible to avoid any issues. Once you report the damage, ask for a claim number. Triad Flooring and Bath can help track your claim through the process.
Prepare for the Adjuster’s Visit
The insurance company will likely send an adjuster to assess the damage. Be present during their visit to explain the damage and point out any issues. We’ll have all your documentation (photos, videos, lists) ready for the adjuster to review and help them understand the extent of the damage and expedite the process.
We Know the Claim Process
When speaking to your insurance company, we will be clear and honest about the damage and your situation. Providing accurate information will help avoid delays or denials. It’s easy to get frustrated during the claims process, but Triad Flooring and Bath will be there every step of the way and will maintain a good working relationship with the insurance company.
Review the Settlement Offer and Appeal, if Necessary
When the insurance company offers a settlement, we will help you carefully review the terms and ensure the offer fully covers the repairs or replacement costs of damaged property. If the settlement offer seems too low, we don’t hesitate to negotiate.
If you’re not satisfied with the settlement or if your claim was denied, you have the right to appeal. You can ask for a re-evaluation of the claim or appeal directly to the insurance company’s claims department, and we can help assist you, if need be.
By staying proactive, organized, and informed throughout the process, you can navigate the claims process more smoothly and ensure that you receive the appropriate compensation for the damage to your home. When your kitchen or bathroom has been damaged and needs repair, call Triad Flooring & Bath. We’ll help you navigate the entire process.
