Collapse damage refers to a situation where a building or part of a building collapses due to various reasons, such as poor construction, natural disasters, or other structural issues. There are different types of collapse damage, such as partial or total collapse of a roof, walls, or foundation, caused by events like earthquakes, storms, or sinkholes. Whatever the cause may be, filing a building collapse insurance claim requires a thorough understanding of your insurance policy and the claims process, as well as proper documentation and mitigation of further damage. By avoiding common mistakes and working with a public adjuster, you can increase your chances of getting the compensation you deserve for your collapse damage claim.
When filing a building collapse insurance claim, you need to prove that the damage was caused by a covered peril and not due to lack of maintenance or wear and tear.
The following are some common mistakes to avoid when filing a collapse damage claim:
Delaying the Claim Process
It’s essential to start the claims process as soon as possible after the collapse. If you delay, your insurance company may question the validity of your claim, which could lead to a denial.
Failing to Mitigate Further Damage
After a building collapse, you need to take immediate action to prevent further damage to your property. Failure to do so could result in your insurance company denying your claim, stating that you didn’t take adequate steps to protect your property.
Not Documenting the Damage
Take pictures and videos of the damage and make a list of all the items that were damaged or destroyed. This documentation will help you prove your claim to your insurance company.
Not Hiring a Public Adjuster
Public adjusters for property damage can help you navigate the claims process and ensure that you receive a fair settlement. They have the expertise and experience to negotiate with insurance adjusters and help you get the compensation you deserve.
Not Reading Your Policy Carefully
Before filing a collapse damage claim, it’s crucial to understand what your insurance policy covers. Different policies have different exclusions, and you don’t want to find out too late that your claim is not covered.
Work with D.A. Lamont Public Adjusters to Avoid These Costly Mistakes
Filing a building collapse insurance claim can be a daunting task, but avoiding these common mistakes can make the process smoother and increase your chances of getting a fair settlement. Hiring a public adjuster can be especially beneficial as they can guide you through the process and ensure that your claim is handled properly.
D.A. Lamont Public Adjusters are experienced professionals who specialize in large loss property claims. If you have been impacted by collapse damage, or other commercial property damage, contact us. Our team is committed to representing you in the insurance claims process to ensure you receive the full compensation you are owed.