PERSONAL PROPERTY / CONTENTS
INSURANCE CLAIMS - COVERAGE C
Call the experts at Ocean Point Claims to help you through the claims process.
Your personal belongings can be damaged after a loss in your home, condo or business. When you file a contents claim it is highly recommended to prepare a “Personal Property Inventory Form or “PPIF” filled with details surrounding the damaged items. This can be a complex and overwhelming process as taking a comprehensive and thorough inventory takes a lot of time and research. A insurance desk adjuster as well as a independent field adjuster will use terms such as recoverable “RCV” and non-recoverable “ACV” depreciation the claims process, this can be confusing. We will assist you in navigating through the claim process whether you have an HO3, HO6 or HO4 homeowner’s policy.
Let us help you restore your life and get the money you deserve, call us today at 888-824-1306! We can reopen underpaid and denied claims!
PERSONAL PROPERTY DAMAGE
INSURANCE CLAIM TIDBITS:
If you have suffered a loss in your home or business that has damaged your personal belongings it is important to contact Ocean Point right away so that we can dispatch the proper experts to your home or commercial property immediately. We never charge for advice. Helping the public is what we do! Even if you don’t plan on hiring a public adjuster, we are here to answer your questions. Call us now at 888-824-1306!
As soon as possible, notify your insurance company and or insurance agent. Immediately request that a certified copy of your insurance policy be sent to you. This is your insurance contract. You don’t know what you’re covered for if you don’t have your policy. Remember, it may have been damaged by water.
Get a notebook and folder, you must get and remain organized. You will regret this if you don’t. Start a log of all incurred expenses along the way. You absolutely must, and we receipt, save your receipts. If you can’t save them at least snap a photo of the receipt before you throw it away. If you don’t keep or document your receipts you will not, with 100% certainty, be repaid for the.
We can’t stress this one enough. Take photos. Take a lot of photos. You can’t take too many photos after a water damage claim. Photos help document your damages. Damages to your home, business and personal property. Take video overviews also. When taking video, move the camera slower than you think you need to as you may rely on the videos someday if you’re underpaid. Go room by room. Feel free to narrate are you video, your words can be very powerful to a jury should your insurance company mishandle your claim.
What does personal property / contents insurance cover?
Contents insurance or personal property insurance allows for the replacement of items in your home or place of business after a theft, fire, or any other type of claim or loss. The contents of your home or business consist of the different items that you have put into your home or commercial property. Personal belongings include your clothes, electronics, jewelry, appliances, and pretty much anything that would move if your picked up and shook your home. Think back to when you moved in. The items you transported into your home or business at that time are the items you should be considering as personal property / contents.
