While you may not always be legally be obligated to purchase townhome insurance, it is certainly a good idea. It’s impossible to predict the future and always smart to be prepared. If you have property damage, you understand filing townhome insurance claims in Naples can be a daunting task. The good news is it really doesn’t have to be if you have a bit of knowledge!
Take These Steps as Soon as You Move
Take the time to fully read your insurance policy. Read the fine print! Know what it covers, and learn the limits / exclusions. If you have questions, get clarity from your insurance company.
You should also take a full inventory of your property. This should be an itemized list of all you own – furniture, clothes, jewelry, electronics… if it has value, write it down. For each item, note the date of purchase and price. Include receipts, if you have them.
Ready to File Townhome Insurance Claims in Naples? Hire a Public Adjuster, and Here’s Why!
Your insurance adjuster, the one who works for your insurance company, is likely going to get you the bare minimum payout. That’s their job. But, a public adjuster works for you and not your insurance company.
When you need to file townhome insurance claims in Naples, choose a public adjuster who will go to bat for you. This way, you’re more likely to get the highest possible payout that’s allowed by your insurance company.
Here’s what you should know about hiring a public adjuster.
Keeping a written record of conversations is a great way for you to stay involved in the process. It’s also an important safety measure that will protect you from any confusion.
You’ll likely have deadlines in your policy, so to be sure you get reimbursed, it’s important you adhere to those.
File a police report if your damage / loss is due to criminal activity.
Make repairs quickly. Your insurance company will want this done to prevent future damage. For example, you’ve experienced a problem with your plumbing that’s left water damage. Plumbing problems can escalate from relatively small issues to disasters quickly.
Failure to take care of problems as they happen might negate your insurance policy. So, gather those estimates, and get the work started!
Looking for a Trusted Adjuster to Help You With Townhome Insurance Claims in Naples? Make This Call!
Contact Darryl Davis & Associates! Our goals are to provide you with the highest quality professional service and to make sure you are properly reimbursed. Reach us at 954-709-3982 to make your appointment today, and let’s get to work on your townhome insurance claim!