The Rocky Mountain State is no stranger to snow storms. Although Colorado residents all probably have a good idea of how and when to stock up on food and blankets before a big winter storm is scheduled to hit, it’s less certain how we should respond when the storm results in damage beyond weight gain and a high heating bill. If you’re not sure what actions to take to protect your Lakewood home or vehicle, consider the following helpful tips.
1. Record the Damage
Thanks to modern technology, essentially everyone can make a substantial record of any home or car damage right after it happens. These records can act as evidence for your insurance company in the event that you will need to file a claim to receive compensation for the damage. Make sure to take multiple pictures of your home and car– remembering to account for the roof, engine and other less obvious areas as well.
2. Immediately Contact Your Insurance Provider
There are probably a million other things you’d rather do instead of sorting out the logistics with your insurance provider, but it’s important that you get this out of the way as soon as possible. The sooner you file your claim, the more likely you are to be approved and the quicker you’ll receive your compensation.
3. Take Precautions for Next Time
When you file a claim, your insurance rate will go up, but you can still cut costs by taking precautions for next time. For example, you can prepare your Colorado home by repairing roof leaks, installing new insulation and cutting away tree branches that could potentially fall on your home during a storm. You can protect your vehicle by having a covered port or garage installed or simply investing in a full body cover.
Our Lakewood independent insurance agents are here to help you acquire the best price for your coverage needs, so feel free to contact us for a personalized quote and professional advice today.