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Avoiding underpayment for your homeowner’s insurance claim

When something goes wrong in your Washington home, you may have faith that your homeowner’s insurance company will cover the damage so that you can fix things and get back to life as you know it. At the Lepley Law Firm, we understand that insurance companies are for-profit entities, and that, at the end of the day, their goal is typically to pay out as little as they possibly can for your claim.

According to SmartAsset, underpayment of homeowner’s insurance claims is a common occurrence in the industry, but there are some steps you can take in an effort to maximize how much your insurer ultimately gives you for your claim. Just what you can do to better the chances of getting the money you deserve and need to effectively repair your home?

For starters, make sure to take numerous pictures of the damage caused to your home, taking care to snap the damage from multiple angles. It may, too, serve you well to do this before any damage occurs, which might be possible in instances where, say, severe storms are in the forecast. That way, you can easily demonstrate that any damage caused to your home was a result of the storm, rather than regular wear and tear.

It will typically also serve you well to fix damage to your home promptly so that your insurer cannot try to argue that your home suffered additional damage because you failed to repair existing damage in a timely manner. When doing so, though, be sure to save all receipts, because you will likely need to turn them over to your homeowner’s insurance company so that it can, in turn, cover the costs. You can find more about homeowner’s insurance claims on our webpage.

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