1. Understand the Insurance Policy 📄
Review the Policy: Obtain a copy of the insurance policy from the primary policyholder or the HOA if applicable. 📑 Understand the coverage details and exclusions.
Identify Coverage Limits: Determine if the policy covers individual townhomes, common areas, or both. 🏠
2. Document the Damage 📸
Gather Evidence: Take clear photos or videos of the damage. 🏚️ Document the extent and specifics of the damage.
Collect Estimates: Get repair estimates from qualified contractors or service providers to support your claim. 🛠️
3. Communicate with the Primary Policyholder 🗣️
Discuss with the Policyholder: Inform them about the damage and involve them in the process. 🔄
Provide Documentation: Share the damage documentation and repair estimates with the primary policyholder. 📂
4. Contact the Insurance Company ☎️
Report the Claim: The primary policyholder should report the claim to the insurance company. 🚨 If necessary, assist them with the information.
Provide Information: Be ready to provide additional details or answer questions from the insurance adjuster. 🤔
5. Negotiate with the Insurance Adjuster 💬
Meet the Adjuster: If an adjuster is assigned, be available to provide information and show them the damage. 👥
Explain the Impact: Clearly explain how the damage affects your townhome and use your documentation to support your case. 📝
Negotiate Settlement: If the initial offer is insufficient, negotiate for a higher amount based on your repair estimates and the impact on your property. 💰
6. Understand Your Rights ⚖️
Know the Law: Familiarize yourself with local insurance regulations and your rights as a non-primary policyholder. 📚
Request Assistance: Consider seeking help from a public adjuster or legal professional if needed. 🕵️‍♂️
7. Keep Records 📒
Document Communication: Keep records of all communication with the insurance company and the primary policyholder. 🖋️
Track Expenses: Maintain a record of all expenses related to the damage and repairs. 💵
8. Follow Up ⏳
Monitor Progress: Regularly follow up with the insurance company to ensure the claim is being processed and settled. 🔄
Review Settlement: Once settled, review the offer carefully to ensure it covers all the damage and repair costs. ✔️
By using these steps and collaborating with the primary policyholder, you can effectively manage your insurance claim even as a non-primary policyholder.
Hope I was helpful!