How to document information for insurance claim
Your insurance adjuster will come out to your property to evaluate the damage and initiate the claim process, but you should not rely entirely on their report when you have significant damage on your home.
When you discover that your property has been damaged as a result of the frequent hail in Texas, you may assume that things will be as simple as filing an insurance claim with your carrier and getting funds for the damage to be fixed or getting the damage fixed immediately. However, in some situations you may need to protect yourself by gathering evidence appropriately and submitting it directly to the insurance company.
You should not count on the insurance company to fight hard on your behalf as their primary interest is their own bottom-line. One of the most important things you can do to support your own case is to gather comprehensive evidence to support the damage from the hail.
The majority of claim file review is typically conducted internally by management but situations may also arise where your documentation is subject to harsher examination, particularly if the insurance company has a litigation team. There are several different things you can do to increase your chances of being successful with your hail damage claim by being mindful of the evidence you collect.
Anytime that you communicate with the insurance company, it is important to document this. If you speak to the claim adjustor by phone or in person, make sure you document the conversation’s content, every letter and email should also be documented and stored.
Keep a notebook of all your interactions in chronological order. If these are disputed down the line, your ability to keep accurate records can make things much easier for you. Don’t wait to get things in order as you may need to present them to the insurance company or to your personal injury lawyer.
Anytime that you take a photo of your property, take as many as you can. Upload them quickly and use descriptive captions as well. You may need to generate your own pictures in addition to the insurance company's pictures. Your pictures can prove an extremely important aspect of your case, so ensure that you have them backed up and that your lawyer also has a copy.
The insurance company is responsible for keeping you informed about the status of your case. If they purposely avoid you or do not give you timely updates or refuse to pay out a claim that has already been settled in a reasonable fashion, you may be entitled to file a bad faith insurance claim. In this situation, consulting with an experienced attorney is strongly recommended.
All consumers have rights when it comes to interactions with insurance companies. If your insurance carrier is trying to take advantage of you, you must be proactive in protecting yourself.