Homeowners Insurance Claim: A Step by Step Guide
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- Опубликовано: 16 июн 2024
- This video walks you step by step through a homeowners insurance claim using the Home Claim Guide we provide to every client. Whether you're experiencing a claim or you just want to be prepared, this is the only video you'll need.
Download the Step by Step Guide here: www.shineinsurance.com/homeow...
Here are timestamps for all of the parts:
DAY ONE - 3:06
- Safety First - 3:36
- Stop Damage - 3:57
- Document, Document, Document - 4:52
WEEK ONE - 10:30
- Sign Remediation Contract - 10:49
- Visit from insurance adjuster - 12:07
- Scope of Work - 13:00
WEEK TWO-ISH - 10:30
- Managing Timelines - 14:30
- Insurance Adjuster Report - 16:14
- Remediation Complete - 17:30
WEEK THREE TO ???? - 18:32
- Hire contractor to rebuild - 18:47
- Agree on scope of work - 19:39
- List of lost or damaged personal property - 20:34
- Insurance check #1 - ACV - 22:00
- Fix & rebuild home - 25:43
- Replace your stuff - 27:00
FINAL STEPS - 28:50
- Insurance Check #2 - REPLACEMENT COST - 29:00
- Settle up with contractor - 31:30
- Online reviews - 32:00
- CELEBRATE!! - 33:10
Need an insurance advisor with access to the best companies and the smartest coverage? Of course you do! Give us a call at 812.679.8779 or hop over to shineinsurance.com
I just started my new career as a claim’s specialist. As we are going through orientation and are learning this gives me an idea on how the claim should look not only from the insurance side but how the customer sees it Gold information. Thanks a million
So glad to hear it. Quality company adjusters are gold. Glad you're joining the ranks.
This video is awesome. It explains things clearly
Love how you lay out the info here.
Not enough views on this video!!! So helpful. Going through a big pipe bust claim right now and this explained so much
Thanks Blake! We love this resource and wonder ourselves why more people don't download it. The video quality is kinda crappy so that may be it. Sorry your dealing with the pipe burst and glad to help if you have other questions.
This is awesome! Thank you for sharing your knowledge.
This video has helped me to think proactively about the entity involved in making a claim on property insurance. Very inspiring as my colleague and I are both volunteer advocates. Thank you for sharing your video and the quality insight that will help us help our friend lodge a claim on her property insurance cover. Your clear and sound instructions is significant in helping our friend with her claim.
This makes us so happy!! Really glad you’re prepared now!
Thanks this video was very helpful. I wish I had watched it months ago but it is still relevant for me. I had a leak in my apartment and I stumbled around with all these elements but it’s nice to have them all explained.
Glad we could help. The process can be so confusing. If it ever happens again, you'll be ready!
This was a good video. We just had a house fire and I had a remediation company come out and I signed their contract only after did I find out that they were only willing to do 100% of the job: contents collection & cleaning, demo, mitigation of smoke smell & rebuild. The problem was we wanted our original builder to do the final build/ put back. The remediation company was not pleasant and I ended up using their contract to cease all work and only have them deal with our contents. It's a huge headache but folks should know you can hire whoever you want to fix your place!
A very thorough dissertation.
Glad you enjoyed it. Hope it helps with your claim experience.
Great video
Thanks for sharing a lot information with us. It was very helpful.
Thank you for the great video
great video, I learned so much from this. there are things I didn't realize and what you should should do. . 👍👍👍👍
Please accept our thanks for a great presentation
Thanks accepted 🙏
Thank you for the insight.
Of course!
This is a very informative video.
So glad it was helpful!
@@ShineInsurance qqqq1w q
Greatly explained!
Thanks Joe! Appreciate you.
Absolutely the best information I've received to date. My AC overflowed causing $5400 In mitigation damage. He checked the home was unlivable. How do I handle this? Will the insurance company pay for a hotel or place to stay?
Loved the step by step process and your explanation of the claims process. I'm trying to get my roof repaired. And not sure weather to get it repatched again or replaced. I do have some damage, but I've spoken with two roofers and both said and I quote: “The roof is toast!” and they recommended replacement. So I'm pretty much at stage 1. Filing the claim.
Right on. If the roof is toast from a storm ⛈ insurance should knock it dead 💀. If it’s toast cause it’s old, insurance may not take care of it.
@@ShineInsurance well I've been waiting for a more significant weather event in order to have a better chance of getting insurance to repair it. Most of the damage occurred last November during a thunderstorm, when I finally got the roof cleaned off, that's when I started to notice the leaks in the ceilings. . I guess I'll just have to take my chances. The worst they can say is no right?
Great video claims guide
Glad it was helpful!
Great video
Thanks! Appreciate you.
Thank you!
I just came home from work today to a fire that happened. The smoke damage was the worst part.
It was a blessing my dogs survived.
I pray that State Farm will take care of me here in Texas.
My home did not burn all the way down. It was the smoke that destroyed nearly everything.
With that said, how and what do I let go of? Meaning, what do I save and trash?
So sorry to hear this! I would get a remediation company involved right away. Let them help you make those decisions.
Very helpful, I just started had a flood in my kitchen due to plumbers incompetence. My insurance company is helping me pick up the tab so I can get a livable kitchen. We didn’t talk about replaceable coverage. So I am confused what does that cover? You really didn’t talk about that and I would appreciate it in-depth discussion of what’s the difference between the ATV and the replaceable thank you
What if you personal items have increased in value since date of purchase?
this video is very helpful. my hotwater tank burst about 2" of water was in the living quarters 60 ga to be exact. went thorugh the sub floors. carrier denied claim says water come from a sump pump in a low area in back yard. his calling was sump pump over flowed traveled to the crawl space filled it up until it over ran in through sub floors. learned the process.
That's a really weird arguement from the adjuster. Seems like they are just trying to make the source something that isn't covered on your policy. Were you able to get them to change?
@@ShineInsurance the complaint is at e Attorney General office. waiting to hear his decision. The Ks Ins Commissioner agreed with the supplier. I have no choice but to fight either he's prejudice, have no respect for the elderly or he practice deceptive practices. I can't figure it out. it's been 1 year
2 months and days
Hi thank you for all the Information you give us, but can you help me out. I have a leak or small crack in my swing pool foundation. i believe due to last year's earthquake. What would be the right way to file a claim?
Letisia Ornelas , issues with you pool are considered “other structures”. If the bad thing that happened is covered, your insurance policy should respond to fix it. In your case it sounds like you would have to have Other Structures coverage & Earthquake coverage.
I've enjoyed your video.. The remediation people did an over kill on my house, then the contractor they had gave me one price and 3 weeks later came with something totally different.. I waa so over this process that I done the work myself.. Question for you filing my claims with the insurance company would it be the same process as long as I have all my receipts from everything
Thanks Laura! Yes, keep all of your receipts and stay in close contact with the insurance adjuster. Make sure they share exactly how you can submit your costs.
PRO TIP: Make sure to bill them for your time as well. They should include that it their payout.
LOve this video. First time going through a small fire damage in my home.
Can you please talk in more detail how loss of use policy works?
I wish there was or wish someone would do a video on deductibles as this is a big part of insurance
As state farm is telling me that i must pay a deductible for each event making my one claim into 3 claims which means that my out of pocket expense would be 9600 hundred dollars rather than the 3200 hundred dollars how can they get away with this ?
so state farm wishes to pay only 4400 hundred dollars on a 14000 thousand dollar claim and it seems like they can get away with this because there seems to be no help out there when there is no money to pay a lawyer
hi
when you don't see any leak
but you see mold
I have mold in one of my ceiling room?
I had leak in my roof after 1st snowstorm when snow started to melt 17 inches and damaging a reply remodeled room 18 grand in damages. The auditor came 3 weeks ago,ice been emailing for update now they want an engineer in 2 weeks I need $ to restore my home back to before they started. They only did 33% of my roof and leak happened where there work stopped. Now they're trying deny my claim and have engineer come in 2 more weeks. I thought property damage claims have be done in 30 days?
Omg I wish I saw this 4 months ago
Should I show the contractor the insurance adjustors estimate. Or have him give a # first ??
Yes,,, I would run into a burning house to save my guitar. BB King did.
Why do I have to submit name & contact info to get the download. You don't need my info...
Hi I can’t find the checklist
No problem! It's right here: www.shineinsurance.com/homeowners-claim-guide/
An interesting trick contractor's pull is that they start frivolous litigation against you, and then the
AG and the Governor will not take action against that conractor even if criminal because it is in litigation making it difficult to recover damages from them.
What do you do about a contractor who got paid $8,000 from the Insurance Company and does not do the work?
Did you pay before the job was done?
Honestly you must
Make these videos for sub 80 iqs
Your right! This video is actually a specialized IQ test that very few people recognize. Congrats! Research shows those who do notice are destined to be trolling a**holes
@@ShineInsurance even your attempt at cleverness is pathetic
@@dekonfrost7 Thanks! Patheticism is a skill we've worked for years to master. Please check out the rest of our videos. They're all pretty bad!
@@ShineInsurance I’m sure you got participation medals that made your mom proud.
@@dekonfrost7 100s of them! Mostly for donating time and money to nonprofits and supporting our community. If you want to check out the Shine Insurance Rise By Lifting Others program at www.shineinsurance.com you can see all of our participation awards.
Its like death listening to you talk. Slowest most inaccurate path forward etc. its just you arent the one to offer this information in an effective way
Some folks use our videos for sleep. That’s kind of the closest everyday activity to death so maybe there’s something there.