League City, Texas – April 24, 2012 – As the skies finally cleared in the Dallas area on April 3, 2012 and residents ventured out to see what kind of tornado damage they may have received from the massive storms of the day, it was just the beginning of the turmoil ahead for Dallas/Fort Worth property owners. With many homes demolished and lives uprooted in the wake of an unbelievable 11 confirmed tornadoes in one afternoon, it is hard to imagine that an insurance company might deny a tornado damage claim for its policyholders. However, the truth is that claim delays, disputes, and denials occur often in the insurance industry. The good news is that Morrison & Morrison Inc. has the information to help tornado victims get the most out of their insurance claims.
“It is not uncommon for property owners to experience a disaster after the disaster,” says Clay Morrison, President of Morrison & Morrison Inc. “We’ve already been getting calls where the insurer should have totaled the property for a total loss, but instead the insurer is treating it as a partial repair.”
Similar to the way that “location, location, location” is known as the key to buying property, “document, document, document” is the key to successful insurance claims. It is vital to extensively document all tornado damage done to the property. This entails taking photos and video of the property, contents, and debris prior to moving or disposing of anything. All tornado damage should be noted in order to avoid disputes later, and damaged contents should not be disposed of even if it appears to be a complete loss.
Another element of documentation is keeping written receipts for all expenses, especially if paid in cash. This includes receipts for payments like contractor fees, hotel and restaurant charges, cleaning, storage, etc. Also, be sure to only give copies of photos and documents to the insurance adjuster instead of the originals of any of the documentation. It is vital that proof exists to substantiate your insurance claim, so keeping the originals is the safest way to ensure that documentation is not lost.
Also document any dealings with contractors. Make sure you are given copies of contracts, and that they contain a clear estimate of charges.
Even after substantial documentation of tornado damage, if a property owner experiences insurance claim delays, disputes, or denials, it is important to contact a professional public adjuster like those at Morrison & Morrison Inc. for help.
“Don’t dig the hole that you’re in any deeper than it already is. Get a professional public adjuster who represents only you before you harm your position in the claims process even further,” advises Morrison.
About Morrison & Morrison Inc.
Morrison & Morrison Inc. is a property loss consulting firm and licensed public insurance adjusting group, based in League City, Texas. The company is an authority on assessing, documenting, and negotiating property claim damages. They can help determine the true amount of damages, handle the adjustment process, deal with the insurance company, and if needed, manage the appraisal process. For more information about the company, please visit http://www.publicinsuranceadjuster.net/