What you need to know about Property Damage Insurance Claims in Colorado

Filing an insurance claim in Lakewood, Colorado can be a complicated and time-consuming logistical process, but it’s the first step to making sure you get the compensation you deserve. To take the most hassle-free approach to this process, simple follow these three steps.

1. Assess the Damage

Make sure to fully examine the damage done to your property right after it occurs. Make records of the damage by taking pictures, recording videos and jotting down relevant notes. If the damage is especially serious, consider hiring a professional to attest that it was in fact caused by a natural disaster, falling branch or other qualifying incident.

2. Review Your Policy

You’ll want to make sure that your insurance policy explicitly offers coverage for the damage to your Lakewood home. Carefully read through your policy and call your insurance provider to determine whether or not you’re covered. You want to be as sure as possible before filing a claim, since rejected claims can negatively impact your record.

3. Have a Plan B

Your insurance company can take anywhere from a few months to a few years to fully resolve your claim depending on your loss and a number of additional factors. These factors might include: limits in your policy, the procedure of your insurance provider, the amount of damage, type of damage, the time it takes to gather all necessary documents, and so on. Basically, this means that you’ll want to have a Plan B in case your Colorado insurance provider doesn’t respond to your claims as quickly as you’d like.

When dealing with the demands of filing an insurance claim, remember that the bright side of this situation is that you have insurance coverage at all. Many Lakewood homeowners are left to foot the bill for unexpected damages, so having the ability to file claims for property damage makes your situation as ideal as possible. To discuss your options for insurance coverage, be sure to contact one of our independent agents for day for expert, personalized advice.