{"id":1097,"date":"2012-12-24T10:58:45","date_gmt":"2012-12-24T17:58:45","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=1097"},"modified":"2012-12-19T11:11:31","modified_gmt":"2012-12-19T18:11:31","slug":"the-early-bird-gets-the-worm-file-your-super-storm-sandy-claim-as-soon-as-possible","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/the-early-bird-gets-the-worm-file-your-super-storm-sandy-claim-as-soon-as-possible\/","title":{"rendered":"The Early Bird Gets the Worm. File Your Super Storm Sandy Claim As Soon As Possible!"},"content":{"rendered":"<p>Joseph A. Porcelli &#8211; November 21, 2012<\/p>\n<p>Good communication with your insurance company is incredibly important when filing a property damage claim.\u00a0 While the statute of limitations on property damage claims may be as long as three (3) years in some states, be sure to check your insurance policy to see if there is a stated time limit on claims submission.<\/p>\n<p>A good rule of thumb is to file a claim under any insurance policy as soon as possible.\u00a0 It is wise to notify your insurance company immediately after the damage occurs.\u00a0 This is an informal process and you can file a claim over the telephone with your local agent or through the toll-free claims number in your insurance policy.\u00a0 Be certain that you note this and all telephone conversations in a diary so you can keep track of your claim status.\u00a0 Additionally, send a letter or email to confirm your property damage claim to your insurer; do not rely on the telephone conversation alone.\u00a0 Failure to give timely notice to your insurance carrier may result in the denial of your claim or delay in receiving reimbursement for your damages.<\/p>\n<p>It is equally important to create a paper trail (i.e. confirm any representations or statements made by your insurance company adjuster or other personnel over the telephone or in person by sending confirmation email or letter).\u00a0 When writing, make sure you use good grammar, punctuation, spelling and capitalization when needed as well as provide your policy number and claim number in all of your written correspondence.\u00a0 It goes without staying that you should promptly answer any letters or reasonable requests sent by your insurance carrier.<\/p>\n<p>Be very proactive: document your damages in photographs or video, even from your cell phone.\u00a0 The more written or photogenic documentation you have, the better your property claim will be document.\u00a0 This will also assist in handling your property damage claim in a timely manner with the maximum recovery possible.<\/p>\n<p>In your conversations with your claim adjuster, be polite, persevering and prompt.\u00a0 Do not be under the mistaken impression that your claims adjuster is your friend, even if he or she seems very outgoing and sympathetic to your property damage claim.\u00a0 Remember this is a business transaction and you must keep it professional.\u00a0 Do not take your anger out on or vent your frustrations on the claims adjuster since he or she carries significant power during the claim adjudication process.<\/p>\n<p>Although Super Storm Sandy has clearly caused billions of dollars of damages, there are likely instances where insurance claims will not be promptly or adequately paid or worse case, even denied outright.\u00a0 It then becomes necessary for a policyholder to fight their own insurance carrier to protect his or her legal rights based upon the insurance policy they purchased.<\/p>\n<p>via <a href=\"http:\/\/www.thepropertydamageblog.com\/2012\/11\/filing-a-property-damage-claim.html\">Property Damage Blog: The Early Bird Gets the Worm. File Your Super Storm Sandy Claim As Soon As Possible!<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joseph A. Porcelli &#8211; November 21, 2012 Good communication with your insurance company is incredibly important when filing a property damage claim.\u00a0 While the statute of limitations on property damage claims may be as long as three (3) years in some states, be sure to check your insurance policy to see if there is a&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/the-early-bird-gets-the-worm-file-your-super-storm-sandy-claim-as-soon-as-possible\/\">Continue reading <span class=\"screen-reader-text\">The Early Bird Gets the Worm. File Your Super Storm Sandy Claim As Soon As Possible!<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[3,252],"class_list":["post-1097","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-claims","tag-property-damage-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Early Bird Gets the Worm. File Your Super Storm Sandy Claim As Soon As Possible! - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/the-early-bird-gets-the-worm-file-your-super-storm-sandy-claim-as-soon-as-possible\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Early Bird Gets the Worm. File Your Super Storm Sandy Claim As Soon As Possible! - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Joseph A. Porcelli &#8211; November 21, 2012 Good communication with your insurance company is incredibly important when filing a property damage claim.\u00a0 While the statute of limitations on property damage claims may be as long as three (3) years in some states, be sure to check your insurance policy to see if there is a&hellip; Continue reading The Early Bird Gets the Worm. 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