Property insurance, procedures in case of disaster – Buy insurance real good, but enjoy the best of his interest at that time better. Each has an insurance facility, in addition to the Insurance Code, the appropriate regulations that each insured must be followed in case of accident. Knowledge of the first reflex is to adopt you will avoid disappointment and help you act effectively after a disaster.
Is the deadline for notification?
Every time reporting his injury! If the cause of this accident is a natural disaster, can be a long wait. In fact, you should wait until the publication in the official journal ministerial order setting the level of abnormal or natural agents that cause the accident. Only from this release will take 10 days to process your claim with your insurance company. The deadline for reporting is the second shortest day, if you are a victim of theft or attempted theft, we must react quickly to avoid exceeding this limit. The most common disasters such as water, fire, glass damage, electrical damage, storm or other damage that affects your property has a period of five days. The statement is therefore a key step in case of disaster. But what I know about the content and how to send files?
Statement of Claim: essential knowledge
In terms of form, Insurance Code provides complete freedom to insurers and policyholders. The key is to rethink you by sending a registered letter with return receipt. If you use a broker or sales agent of your contract, it is best to send copies of your claim. This precaution also applies to tenants who will send a copy to the owner. Similarly, if you have and the damage it reaches the general area of policyholders, sending a copy of your claim to the trustee to manage your property is very important. For some accidents, such as water damage, there is an accident report prepared by an insurance company and that the parties had just finished.
How is the assessment of damage?
Damage assessment conducted in accordance with that value. For a small number result, the preliminary assessment is not required. This includes insurance for the building estimated by the contractor or craftsman. insurance will decide whether he agrees or not on estimated before authorizing any compensation. For more serious damage or in case of disputes between insureds and insurance, with the amount proposed, sought expert opinion. Total damage was later assessed in a peaceful manner. If after this report, you are not satisfied, you can use other professionals of your choice by assuming all or part of the costs involved. If no compromise does not appear, look for a third expert, to decide, by sharing the cost is very possible.
