In Colorado, homeowners follow specific steps for filing an insurance claim after serious damage has occurred. These claims help the homeowner acquire funding to repair or restore the property. They enable the homeowner to tap into the coverage for which they have been paying. The following are the steps for filing a taylor insurance agency claim and repairing the property.
Schedule an Inspection
The homeowner must contact their insurance provider to schedule an inspection. A claim’s adjuster comes to the property and examines the damage. They complete a report for this damage and file it through the insurance provider. They will present the homeowner with information about funding after the insurance provider completes an assessment of their policy.
Get Service Estimates
The homeowner must acquire estimates from service providers who perform the necessary repairs. With storm damage, the homeowner may need a contractor as well as water mitigation services. They must acquire an estimate from each service provider to acquire the funding and gain approval.
Submit All Information to the Claim’s Adjuster
Next, all information from the service providers is submitted to the claim’s adjuster. They review the documentation and compare it to the coverage level available through the house insurance policy. Next, they provide the homeowner with a check to cover all expense.
Schedule the Services Required for the Property
Next, the homeowner contacts all service providers they selected for the restoration project. They schedule the services to restore the property based on the availability of the service providers. If the property is at a greater risk of more damage, the service providers may place barriers over the affected area to protect it. This is a precautionary measure to protect the property if they cannot complete the repairs quickly.
Schedule Building Code Inspection
As a term of the homeowners insurance, the homeowner may need an inspection by a building code inspector. If they live inside the city limits, they may have to follow certain city ordinances for any construction-based services. If this is the case, the service provider’s work must be inspected to ensure that it follows local building codes. The findings of the inspection determines if the job was completed appropriately.
In Colorado, homeowners must follow the steps for completing an insurance claim quickly. These requirements could delay the access to funding to pay for repair services. Homeowners who need assistance or need to acquire home insurance colorado springs contact an agent today.