Making decisions in the wake of something as catastrophic as a natural disaster can be difficult. For Landlords, knowing how to respond in times of disaster makes the claims process easier and helps to minimise financial and emotional stress
Assess the damage
Once your council or emergency services say it’s safe, you can return to the property and take reasonable steps to prevent further loss or damage, such as boarding windows or laying a tarp on the roof. It is also a good idea to arrange all emergency repairs necessary to minimise loss.
Thorough documentation is required when making insurance claims to establish and show a loss has occurred. Take plenty of photos as well as videos of the damage to submit to your insurer. Also, make an inventory of the damaged items with detailed descriptions, including brand, model and serial number when possible.
Obtain a repairer’s report
A report from the repairer (also known as a causation report) helps insurers to quickly identify the cause of damage and make a quick and fully informed decision when it comes to processing a claim. The report typically outlines the cause and impact of damage and loss. For example, if the cause of damage is rainwater, the repairer will describe how and why the rain entered the property.
Save your receipts
It is important to keep hold of receipts for any work you do or materials you purchase as you may be able to claim those expenses.
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