Having a tree fall on your house can be devastating because it can cause so much damage and cause you and your family to be displaced until the damage can be repaired. Many people have no idea what steps to take if an unexpected accident takes place that causes damage to their home. The guide below walks you through a few tips to follow if you ever find yourself in a similar situation as the one listed above.
Contact Your Insurance Company
You first need to contact the insurance company that you have your homeowner's insurance policy with. Let them know what happened and when it happened. They need to know approximately how badly your home is damaged when you contact them. If the house is damaged badly enough that you and your family cannot safely stay in the home, your policy may cover payment of a hotel stay until your home is repaired. The company will allot you a specific amount of money for your hotel stay and you will be able to choose the hotel you want to stay in.
Meet with the Insurance Adjuster
Once you contact the insurance company, they will send an insurance adjuster to your home. The adjuster will walk around the property and determine what damage was done to the home and assess what they predict the repair costs will be. They will then let you know how much money the insurance company is willing to pay toward the repairs.
Get Multiple Estimates
Meet with multiple contractors to get estimates for the repairs. If the contractors find things wrong with the house that the insurance adjuster did not notice, you can have them write the estimates out in writing and then submit them to the insurance company. The company may be willing to pay more for the repairs once they know that the repairs will cost more than they originally thought they would cost.
Once you know how much the insurance company is willing to pay for the repairs, you will be able to determine if you want to invest some of your own money into the repairs or not. There are some people who choose to use such a situation as an opportunity to do some upgrades to their home that they have always wanted to do. The insurance company will pay to restore your house to its original condition, you will be responsible for any additional work you want to have done.
For more information, you will want to contact a company such as http://www.martininsurancecompany.com.