Flood damage in Cherry Hill, NJ, and Insurance Property Damage Claims, What You May Need to Know, in Moorestown, NJ

Rising waters and flood damage can
cost tens of thousands of dollars to repair. Most homeowner, who has
insurance, will want to make a claim. While all insurance companies
don’t have flood coverage, usually a separate policy is purchased in
areas where flood waters are a risk. While some insurance companies can
take a claim over the phone, an insurance claim letter is always the
best way to go. Sure you can call, but a letter can say much more and
include valuable pictures. This letter needs to contain specific
information about the incident, and when it occurred. All this is
valuable and necessary to a claim.

Since this is a formal letter, make sure it is appropriately set up. A
block style format should be observed. The name and address of the
claimant, followed by the date and then the name and address of the
insurance company should always be on the left hand side. A subject line
would also be appropriate in this type of correspondence. Unless you
know someone personally at the insurance company, you will probably need
to address it with a general "To Whom It May Concern," or a “Dear
Sir/Madam.”

Start the first paragraph by telling them why you are writing. As a
matter of fact, make sure this is in the first sentence. You want to
make sure your needs are specified loud and clear. You need to be very
specific in your writing and make sure to not leave out any details. If
the carpet in the basement is ruined, say so. Specify the date the
incident happened and the event that triggered it. Are there other homes
in the area directly affected? Make sure to put as much info as you can
in the first paragraph.

Giving background information is always helpful to an adjuster. Did
you call in an extraction company? Many people call in extraction
services before they call the insurance company. These companies can
remove the water and do their best to save furniture and carpet. Make
sure to specify any methods used to try to save the items. Don't leave
out problems with drywall, electric and other critical items. These are
of the up-most importance. Just because you got the water out of an
item, doesn't mean the problems will stop. Oftentimes, mold will set
into areas that have had severe water damage.

Make sure the tone of the letter is friendly. Give information that
is necessary to the claim, like account numbers, who the policy’s name
is under etc. Also state what you believe your policy limits are, if
known. Encourage the company to clear the matter up quickly. Give them
an invitation to call or contact you as soon as possible. This letter,
along with picture evidence, is a great way to get the ball rolling on
your claim. The sooner you contact the insurance company, the sooner you
can have your damages repaired. End your letter with a formal
conclusion and contact information.

Jon Barrett

Marketing and Sales Support

SERVPRO of Cherry Hill/Haddonfield

Phone: (856) 662-2772

Email: JBarrett@SP9157.com

Websites:

http://www.servprocherryhillha...

http://www.servpromtlaurelmoor...