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Sbp insurance guide Made possible by a grant from the Walmart Foundation Basic Insurance Guide After a natural disaster most people depend on their homeowner ? s insurance policies to help restore their homes and lives to normal The mission of SBP is to s

Made possible by a grant from the Walmart Foundation Basic Insurance Guide After a natural disaster most people depend on their homeowner ? s insurance policies to help restore their homes and lives to normal The mission of SBP is to shrink the time between disaster and recovery We have provided some helpful tips to consider when working with your insurance company TIP Keep calm and be patient We know this is very hard for someone who has just lost everything However agents are trying to help as best as they can and yelling and screaming will not help TIP Be as detailed as possible If you lost some or all of your personal property most insurance companies require you list each item This is easier said than done as it is hard to remember everything you have ever purchased in your life In describing items listing as much detail as possible allows for a faster claim settlement because the insurance company doesn ? t need to come back and ask for more detailed information For example don ? t list your TV as a ? TV list it as a ? Sony LPR TV - Cost TIP The ?rst settlement is not always the ?nal claim settlement If you later discover additional damage that you or the adjustor did not ?nd on the ?rst inspection you can ?le a supplemental claim ??even after you have already received money for your claim You have days after the initial claim is ?led to ?le a supplemental claim TIP Get repair estimates from contractors immediately Insurance companies are going to ask for estimates from contractors Get estimates from two or more contractors With several estimates if the adjuster comes back with a low number for the claim you have additional estimates to support why you disagree with the initial claim amount TIP Keep all receipts Make sure you have a record for any funds spent on living supplies while you are waiting for your claim settlement such as food hotel lodging clothes etc VERY IMPORTANT The typical insurance policy covers loss of use expense so keeping track of all of your expenditures will help when calculating what ?nancial loss you have su ?ered SBPUSA org C