Working with Your NYC Home Insurance After a Disaster

Even though home owners may select proper coverage for their home, they still cannot predict natural disasters. As a homeowner, a fire down the street could easily spread to your home by winds carrying embers, and you may find yourself picking up the pieces after a disaster. You could come home from vacation to find an empty house after thieves have cleaned you out. Make sure your NYC home insurance coverage is adequate.

To account for your possessions, make a list of personal belongings in your home covered under insurance. Include personal computers, furniture, clothing, electronics and anything of great value. Document purchase dates, prices and the condition of each item in addition to finding receipts. Supplying photographs to your agent may make the process so much easier if a fire or a burglary occurs.

Keep detailed records of expenses after a disaster. As an example you may also incur hotel charges if your home is unlivable for a time, and have to buy meals. You may be able to get compensation for these costs.

When your home is still livable, but needs repair, check with your agent before hiring contractors. Take photographs of damage in the home – whether from natural disasters, burglaries or vandalism. Avoid repairing, replacing or moving anything before getting the go ahead from the insurer, unless urgent repairs are required to prevent further damage.

Keeping your NYC home insurance up-to-date may pay off in times of emergencies, burglaries and natural disasters. Speak to your agent about increasing your coverage if required.

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