14. Should I take video of my home, if I have the means, so that the damage to my property can be seen by those that do not make out it out to my home right away? Yes. If you have the means to take video of your property please do so. If you do not have the means you should strongly consider calling someone that can do so for you (a lawyer, a friend, a relative, a contractor, etc.). Adjusters may not show up to your home for weeks after the storm has hit and debris has been removed during the clean up efforts you have organized. Through that delay the impact of the storm on your family can be lost. It is in your best interest to preserve the destruction for your adjuster so that they can see the impact firsthand. Keep a copy safe and offer to share it with your adjuster or insurance company if they have any questions about the condition of the property after the storm.
15. My insurance company has asked me to sign a proof of loss. Should I sign it and by signing it do I give up any right to disagree with their adjustment? Be very careful if you are asked to sign a proof of loss. A proof of loss is your sworn statement as to what your actual losses were as a result of the storm. The reason you have to be so cautious in signing this document is that it can be used against you if you were to later have a contractor come in and disagree with the loss amount the insurance company inserted in their proof of loss. You should only sign a proof of loss if you are absolutely certain the loss amount on the proof of loss is the actual amount of your sustained loss. This can get tricky because you may not know about damages until work is started and tear out begins. While most policies require you to submit a proof of loss at some point, you do not have to agree to sign the insurance company's completed proof of loss. You have the option of filling out your own proof of loss based on your actual loss and submitting that to the insurance company. Even if you submit your own proof of loss this should not result in any delay in receiving payment, even though your insurance company may hint that to you. Pay special attention to this document and have someone review it if you have any questions.