When filing a homeowners insurance claim, preparation is key. Do not wait for disaster to find out how much homeowners insurance you have and how much was lost. You can also search online to hire a public adjuster for home insurance claims via www.allcityadjusting.com/public-adjuster/service-areas/illinois-public-adjuster.
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To understand your homeowner's insurance policy and what your responsibilities are if you have to file a claim, the first step is to read it. To ensure that you get the settlement you deserve, you will need to take a detailed inventory of all your property.
A video camera is the best and easiest way to record your home inventory. A video camera can record your name, address, and date along with commentary. When you file your homeowner's insurance claim, you should provide as much information as you can.
You can use your video camera to capture both exterior and interior shots of your house. Record all sides of your house. Include any additions such as a pool or deck. Next, go inside and document the contents of each room.
Make sure to take time to record any valuable items in drawers, cabinets, or closets. Once you have recorded everything, be sure to save copies outside your home in a safe deposit box.
Your homeowner's insurance agent should be contacted immediately in the event of a burglary, disaster, or another calamity. Based on your policy, your agent will advise you of the steps to take. If you are unable to get into your home to retrieve this information, keep your agent's number and your policy number in your pocket.