I Have a Claim, What Now?

Here are the steps to follow:

1. 01

   Ensure Safety First: Make sure you and your family are safe. If your home is still unsafe to enter, wait for authorities to declare it safe.

2. 02

   Mitigate Further Damage: Take necessary steps to prevent further damage to your property (e.g., boarding up windows, covering leaks). Keep receipts for any repairs or supplies purchased for this purpose, as these may be reimbursable.

3. 03

   Report the Damage: Contact your insurance company as soon as possible to report the damage. Some policies have deadlines for filing claims after a disaster.

4. 04

   Document Everything: Take detailed photos and videos of the damage to your property, both inside and outside. Capture the extent of damage to structures, personal belongings, and any other affected areas.

5. 05

   Create a List of Damaged Items: Make a list of all damaged or destroyed items, noting their value, age, and any receipts or proof of purchase you may have. This will help support your claim.

6. 06

   Contact Your Representative at Purmort & Martin Insurance Agency: Reach out to us for specific guidance on the claims process and ask any questions you may have. We are your advocate.

7. 07

   Review Your Policy: Familiarize yourself with your insurance policy, including coverage limits, deductibles, and what specific damages are covered. Understand the difference between structural coverage and personal property coverage.

8. 08

   Fill Out Claim Forms: Complete any claim forms required by your insurance company. Provide all necessary information accurately and thoroughly.

9. 09

   Meet the Adjuster: An insurance adjuster will likely be assigned to assess the damage. Be prepared to meet with them and provide any additional documentation they may need.

10. 10

    Keep Records: Maintain organized records of all correspondence with your insurance company, including emails, letters, and notes from phone calls. Document dates, times, and who you spoke with.

11. 11

    Follow-Up: Stay in regular contact with your insurance company to check on the status of your claim. Be proactive in responding to any requests for additional information.

12. 12

    Be Patient: We know that the claim process can be frustrating but the claims process can take time, especially following a major disaster. Stay organized and persistent in your follow-ups.