Frequently Asked Questions 1.
How can I preserve my claims and protect my right to repayment from insurance coverage?
If you have any insurance policy which you think may cover your damage, whether it is a homeowner’s, renter’s, or car insurance policy, call your agent, broker, or insurance company as soon as possible, and report your loss. Do this even if you are not sure that there is coverage or if you do not know if the claim will exceed the deductible. Many companies have also established websites and local emergency claims offices as part of the disaster response. Further, some companies may provide additional contact points through newspaper or radio advertisements. If you cannot get through to your insurance company by telephone, write them a letter telling them of your loss and keep a copy of it. If you cannot find the insurance policy, contact your agent, broker or insurance company. Ask for the entire policy, not just the cover page or declarations. If you cannot stay in your home, make sure you give the insurance agent or representative your new address and telephone number. Be sure to follow the instructions given to you by the claims personnel or agent.
2. What if I live in a condominium?
If you own a condominium, you should look at both the coverage provisions in your association insurance policy, and the coverage under your individual unit coverage owner’s insurance policy.
3. How do I get an insurance adjuster out to my home to assess the damage?
You should request the insurance company to send an adjuster to look at your property. It is best if this request is in writing. If necessary, you should contact the VT Department of Banking and Insurance at 1-802-828-3301. However, this will not be done until public officials have declared it safe and have allowed such work to begin.
4. What can I do to prepare for the insurance adjuster?
If circumstances allow, make a list of all property damaged or destroyed, take pictures, collect names, addresses and telephone numbers of witnesses, obtain repair estimates, keep a record of expenses, such as alternative housing, etc., and locate original bills and receipts for lost items. If you do not have or cannot locate a complete household inventory, try to picture the contents of every room in your home and then list and describe all items that were damaged or destroyed. Include furniture, major appliances, electronic equipment, pictures or accessories in each room, as well as hobby items, tools, home maintenance items and seasonal items such as holiday decorations and outdoor furniture. As accurately as possible, try to remember when and where you bought each item, how much you paid and the
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