After you’ve experienced a flood, fire, or other disaster in your home, insurance probably isn’t the first thing on your mind. But once you’ve collected yourself and made sure everyone is safe, it’s time to get insurance involved and make a property damage claim.
To get started on the claim process, evaluate every personal property item that was damaged or destroyed, including furniture. This can seem like a daunting task, but with organization and the right tools, you’ll be able to document your damage and collect insurance money in a timely manner.
Furniture gets damaged all the time, sometimes from hurricanes and tornadoes, and occasionally during the moving process. When you have the right renters or homeowners insurance, your policy will entitle you to compensation for restoration or replacement via a personal property insurance claim, depending on the extent of the damage.
Get the best reimbursement possible for any damaged furniture by following this guide on how to file a property damage claim.
Have Your Own Best Interests in Mind
When dealing with an insurance company, remember that it’s a business transaction first and foremost. While your home goods are personal items, it’s important to understand that the insurance company is trying to be profitable, even if you’re dealing with a friendly adjuster.
Your insurance company may try to do the right thing and pay you the full cost of damage and replacement, but they may also favor the good of the company and limit or deny your reimbursement. You may be dealing with emotional trauma during this time, which can make the property damage insurance claim process challenging.
If you can afford to do so, hiring someone to assist in documenting your losses can be helpful. You’ll need to go room-by-room, assess furniture damage for the claim form, take pictures, and document the process. Assessment is a harrowing task, so dividing it up can make it more manageable. Once you’ve got an idea of what your items are worth and how much damage has been done, you can start the claim process.
Filing a Property Damage Claim with the Insurance Company
Once you have all the details, you’ll begin to process your claim with the insurance company. You’ll need:
- Notes from conversations with the insurance company
- All claim-related documents
- An understanding of the documents
- A comprehensive list of anything missing or damaged
- Estimated worth of all items
An insurance adjuster may ask you to prove your claim for any damaged or missing furniture. Be prepared with paperwork and knowledge of the circumstances surrounding your claim going into a meeting or phone call with your adjuster.
How Do I Receive My Reimbursement?
After you’ve spoken with the adjuster, you’ll usually receive a letter in the mail (or email) to notify you of whether your policy covers the damage. The insurance company will also give you an initial estimate of the damage, though this can be changed. You’ll get a check for the cost of the repairs, minus any deductible you have and the depreciation of your furniture and other assets. If your treasured furniture is salvagable, work with a furniture repair and restoration expert that has experience working with property damage claims, like Aaron’s Touch Up.
Once you’ve repaired and purchased your furniture, send in receipts and final bills to your insurance company. Remember, your insurance is only going to pay for repair or replacement of items of similar quality. Any upgrades you want will be on your dime.
It may be a harrowing journey, with stress and financial challenges, but proper documentation and recording can help smooth out the property damage insurance claim process and restore your furniture after a disaster.