You know you’re protected in case of a disaster at the house. You have homeowners insurance, and you’re sure the policy is somewhere in a desk drawer. It’s easy to take coverage for granted until you’re facing the devastation of storm, water or fire damage.
You need to be prepared before the worst happens. We can help.
Over the years, we’ve worked closely with the folks at Allstate Insurance. With their input, we’ve developed this guide so that you can better understand how to file fire and water damage claims.
Know Your Policy with Allstate
It’s hard to deal with property damage, but being prepared makes it a little easier. If you aren’t familiar with the details in your homeowners policy, give your Allstate agent a call. Understanding your coverage gives you real peace of mind.
Review your insurance coverage annually. Your agent can update your policy so that it reflects any changes you might need to protect your home and belongings.
Verify Your Allstate Water Damage Coverage
Allstate provides coverage for most types of water damage, but verify what your policy does and doesn’t cover. Homeowners insurance usually protects you from losses caused by plumbing problems such as sump pump failures, burst or leaky pipes and damages caused by toilet, sink and tub overflows.
While you probably have storm damage coverage through Allstate, flood insurance policies must be purchased through the National Flood Insurance Program. Your agent can explain how NFIP works and help you decide if it’s something you need for your home.e.
Navigating the Allstate Insurance Claims Process
No matter what kind of damage you’re facing, call your agent as soon as possible. You can also start the claims process through Allstate’s mobile app or your online account.
1. Write Down Everything
When you file a claim with the insurance company, you’re given a unique claim number. Keep it handy along with any other important numbers for quick reference.
2. Document Your Losses
Take photos of all damages right away. If you have receipts for damaged belongings, gather them into one file. Use your photo and paper documentation to develop an inventory detailing your losses.
3. Expect Prompt Inspections
Both the restoration contractor and your Allstate adjuster inspect your property and belongings to assess damages. The restoration teams are usually first on the scene and provide a quote for services. Share these figures with the adjuster. In emergency situations, the contractor’s teams will also begin stabilizing the scene immediately
4. Work With the Insurance Adjuster
Accompany the adjuster during your property inspection to make sure nothing is missed during the process. Share your photos and documentation files too. By working with the adjuster, you make it easier to determine an accurate figure for covering your losses.
5. Be Ready for Restoration
Damage mitigation can involve water and soot cleanup, material tear-out and more including reconstruction. Restoration teams often bring in heavy equipment to address fire and water damage. Be ready for a few days of disruption and loud noises as certified technicians restore your property to its original condition.
We’re Ready for Your Call
If the worst happens and you need help navigating insurance claims for water or fire damage, we’re here for you. Allstate Insurance often recommends us for disaster mitigation because of our Preferred Vendor status, and many of our customers ask their agents for our services by name.
When you need the most trusted cleanup and restoration services in Chicago and the suburbs, our teams are standing by. Here at ServiceMaster Restoration by Zaba, we’re always ready for your call.