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5 Things To Know About Property Damage Insurance Claims

Insurance Claims Help
Our homes are everything. They hold our comfort, security, and happy memories. But sometimes houses get damaged by nature, accidents, and vandalism. When this happens, it can give people overwhelming frustration and grief.

If your home is damaged by fire, water, mold, or a storm, the stress from trying to get back to normal can feel like a whirlwind. The last thing you’ll want to think about is filing an insurance claim, but please don’t put it off.

One of the first steps you should take after your property is damaged is to learn what your insurance policy will pay for. Starting the insurance process immediately will help prevent further damage. It’ll give you peace of mind and help get your life back to normal as soon as possible.

Here are five things to know about filing an insurance claim after your home has been damaged:

1) Not all insurance policies are the same.

Policies can vary a lot based on the provider, coverages, deductibles, policy limits applied, and the level of property damage. You may have insurance that covers everything from weather damage to system failure to destruction. Your insurance may even cover damage from animals and insects.

2) You don’t need to settle on a bad contractor.

It’s your right to demand and hire a fully licensed contractor of your choice with a good reputation to help with the emergency cleanup and repairs.

3) You may begin emergency measures to protect your property from additional damage (and may be compensated for it).

The insurance company may not be liable for additional expenses if you fail to provide this initial protection. If it is safe and feasible, turning off the water source or moving furniture are just a few things to consider to help minimize damages to your property.

4) You may be reimbursed for expenses outside the coverage of your home damage.

For example, you may be able to receive reimbursement if you need to relocate to temporary housing during reconstruction, or if you need to purchase outside meals, or if the facilities in your home are rendered useless.

5) If you have adequate coverage, you are entitled to be paid for the fair cost of fully restoring your home to its pre-loss condition.

Once again, this is based on your specific insurance provider and your coverage plan. Stay in touch with your insurance agent at least annually to assess your property value and to make sure that your coverages are appropriate for your home.


UNGERMAN is a family-owned company providing full-service mitigation, restoration, reconstruction, and renovation. Our mission is to provide our clients with the highest quality of dependable services while carefully managing costs.

We will provide accurate estimates, clear communication, and efficient completion of necessary mitigation and repairs to complete projects successfully. We will build a solid relationship between the customer, insurance company, and UNGERMAN through this process.

We’ll Guide You Through The Insurance Process After Property Damage

Our team will begin to clean up the damage and guide you through the insurance process. We’ll document the property loss and contact your insurance agent to review what type of damage can be covered by your policy.

We Are Committed To:

If your property needs restoration, reconstruction, or renovation, fill out the form below!