Dealing with insurance claims

By Diane Walker - bio | email
Posted by Terry Alexander - email

RICHMOND, VA (WWBT) – As storm cleanup continues, hundreds of homeowners are filing insurance claims for damage to houses and cars caused mostly by falling trees. 12 On Your Side has some tips to make the process quick and smooth.

The first thing to do if a tree falls on your house is to- of course- get out quickly and then assess the damage. Next, call your insurance agent.

Storm damage is covered by most homeowner's insurance policies. Once you have an idea of how bad the damage is your agent will be able to tell you exactly how to proceed. In severe cases, your agent might 'suggest' you call a contractor right away to stop any additional damage. If there's widespread damage to other homes, you may have to wait in line to have your claim processed.

"If you're able to live in your house, you won't be seen as quickly as someone who has a gaping hole in their roof. The more pictures you can take, the more documentation- if you are having repairs done to your home, make sure you keep all your receipts," said State Farm Insurance Agent Reggie Dickerson.

Again, take as many pictures of the damage as possible. Even if you escaped damage from last night's storm, this is a great time to call up your agent and review your coverage. Go over your specific coverage and deductibles. The insurance agent we spoke with recommends you do this type of insurance review at least once every other year. 

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