01. CONCEPT PHASE
Be sure to read your policy before submitting a claims application to get an idea of what is covered and how. Many insurance policies have specific rules on what is covered depending on the damage occurred. Once you have called your insurance provider your claim will be assigned to a team of claim service professionals. They may work with your, Agent (the representative who sold you your policy), claims adjuster (the professional who will investigate your claim and determine damages covered) and other specialists (ex. general contractor, public adjuster, a restoration company). You should collect documentation of damage and value of items pre loss. This will help you and your insurance provider determine a settlement. You should collect any photos of structure, rooms, or items pre loss and take photos of damage. Additionally, make a list of values, be sure to include any additions to the property that may have been damaged, including how many rooms, appliances, electronics or furniture. Also, be sure to make a list of the type of repairs needed. Be sure to include how many feet of flooring, type of paint, carpet etc. Lastly, schedule an appointment to have your adjuster verify the loss matches your claims amount.