You’re a disaster victim and you don’t know where to start? Follow these tips and tricks to make it easier.
What to do in the event of a disaster, in five easy steps:
- Notify the insurer
First of all, inform your insurer of the situation and explain the circumstances of the loss.
2. Preventing damage
Attempt to limit the damage of the disaster, so that it does not worsen. However, contact your insurer before making major repairs.
Tip: Document the damage and take photos or videos of the building and its contents to facilitate claims.
3. Emergency work
In order to limit the aggravation of the situation, it may be necessary for work to be carried out on your residence by a disaster restoration company.
Tip: Always keep an eye on the work done by post-disaster restorers to monitor what they are doing and the costs attributed to the repairs.
4. Contact the claims adjuster
Your insurer will appoint a claims adjuster to guide you through your claim. The claims adjuster will also investigate the cause of the claim, estimate the damages, and negotiate with you on various aspects of the claim.
5. Check the terms and conditions of the insurance contract
The claims adjuster will introduce you to the terms and conditions of your insurance contract, so he will explain the coverage you will benefit from. In addition, he will guide you through the steps to follow for additional living expenses.
Tip: Keep all invoices for your claim-related expenses, as they could be useful in the event of reimbursement.
Find out about the various stakeholders and their roles and responsibilities:
Insurer: entity committed to indemnify you in case of damage suffered, following a claim, according to the terms of the insurance contract.
Damage insurance broker: Contact person who can answer questions about your file.
Claims adjuster: the person in charge of estimating damages, investigating the cause of claims, guiding you through the claims process, and authorizing reimbursements.
Disaster victim: your involvement in the claim process facilitates its smooth running, be on the lookout for everything that happens.