The Importance of Providing Prompt Notice to Your Insurance Company When You Suffer Water Damage to Your Home

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

What do you do when you suffer water damage to your home, part 2? By now you have mitigated your damages by making temporary repairs.  If you don't know what mitigation is read my prior blog on this topic.  Now you need to contact the insurance company and notify them of the insurance claim if you have not already done so.  This is called providing notice to your insurance company.  Most insurance policies require policyholders to notify their insurance company of any losses as soon as possible.  Don't just sit on your claim figuring that you can notify the insurance company whenever you want.  Do it asap.  Pick up your phone and call your insurance company and tell them what happened.  And document the claim number that is going to be provided to you, the date that you reported the claim, and get the name of the person you spoke to.  You can get the phone number for the insurance company from your insurance policy documents or from your insurance agent.  But don't rely on your insurance agent to call the insurance company for you.  Call yourself. This will avoid a problem when your insurance agent forgets to report your claim because he is busy making money selling policies to other callers.  You are already probably going to have your hands full with the insurance company, even when you have mitigated your damages and given prompt notice.  Do you really want to compound your claim by giving your insurance company another reason to not pay your claim?  The answer is no, obviously.  So report your claim immediately, do it yourself, and record the claim number, the date that you reported the claim, and who you spoke to.

You can reach Miami Insurance Claims Attorney J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].

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