How to Effectively File a Homeowner’s Insurance Claim

Is your home stuck in a disaster? Here are some tips on why you should file a homeowner’s insurance claim!

Photo: Dering Hall

An often-overlooked aspect when filing a homeowner’s insurance claim is the amount of time the incident will need to be processed. People tend to compare homeowner’s insurance quotes, obtain a policy and hope they must never use it.

When a disaster or property damage occurs, you will want to get your life back to normal as soon as you can. These tips for filing the most effective homeowner’s insurance claim will help minimize the time gap it takes to get you back on track.

Depending on the nature of your property damage/loss, you might have a better chance forgoing a claim altogether. The primary factor behind this decision lies within your deductible. If your deductible is $2,000 and the loss is $2,100, its best to deal with it on your own. After all, when filing a claim causes your premium to go up more than the $100 you would be receiving.

If you’ve just bought a house, you need to know your insurance policy inside and out, and this includes your coverage. Filing a claim only to learn later the incident you sustained is excluded from your policy will still go down as a claim, which could have an impact on your premiums at the time of renewal. It’s disappointing to think you have coverage for a situation only to later learn you neglected to include this at the time you purchased your policy. You need to also be careful to confirm your policy covers your payout replacement cost as opposed to the actual cash value, which could be a significant disparity.

If the damage sustained to your home and your home’s decorating is more than you can deal with on your own and your insurance policy covers this instance, contact your insurance company and or agent as soon as possible and explain what happened with the most detail as possible. It is important to note the representative of the company you are speaking with (regardless of how courteous and friendly they have been in the past) is an actual representative of the insurance company?) So, make sure you provide them all the information they need to assess your situation fairly.

Having a contractor, you are regularly in contact with may help you in the long run. The best time to solicit a contractor is when you have no need for one. If you own a home, you will have to contact a contractor at some point in time. The best advice my contractor has given me is to purchase a sump pump, incase of a flood. Saved me thousands in the long run!

The best thing to do is find somebody before there is any damage to your home. This way you can find the right contractor under no pressure of needing to hire them immediately. You will also have more time to thoroughly research said contractor and ensure they are reputable, effective, and skilled in their profession. Should any loss occur, have your contractor come out as soon as possible to quote you before the homeowner’s insurance company’s adjuster arrives to assess the damage.

These steps can make your claim more efficient and assist in future need for filing a claim.

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6 Steps To Restoring Old furniture

If restoring old furniture is a hobby you plan on picking up, here are some steps to help you in the process.

Photo: One Fine Stay

Select your Furniture With Care

Before you even consider restoring a piece of furniture, think about what you will do with it afterward. Are you restoring it for potential profit when you sell it? Are you refinishing it to enhance a room in your house? Incorporating vintage furniture into your home is a great way to achieve a designer look for less. And depending on the purpose, different strategies might apply. If you intend on making a profit, you need to select furniture that have value to begin with. If you are restoring furniture for your own pleasure, any piece that captures your heart is worth your time.

Photo: Vendome Press

Watch our for Safety Precautions

Since you will be working with chemicals and tools, you need to have the right protective equipment on hand. If you intend on using paint strippers, you want to work in a well-ventilated area. Consider wearing a mask to protect your lungs. Goggles and gloves are also prudent to wear. Read all labels before you use a product. As for using tools, make sure you wear gloves and appropriate foot ware.

Thoroughly Clean the Piece

Depending on the piece of furniture you have selected, you might have to remove hardware or disassemble it. Proceed slowly and methodically. Clean your furniture using the product recommended according to its finish.

Photo: Vendome Press

Start Sanding

This step will be essential, especially if the furniture was painted. You will need to use different grades of sanding paper for different stages. Start with coarser grains to rough up the surface and go over every inch of the furniture. Repeat the process with finer grain until you are satisfied with the result. This step will require a lot of patience and minutia. Once you are done, make sure you wipe off the furniture with a damp cloth to remove all sanding residues. Alternatively, you could vacuum the furniture.

Photo: My Domaine

End by Finishing

After selecting the finishing of your choice, paint, varnished or French polishing, apply t to every part of the furniture. Several coats might be needed. Again, make sure you read the instructions and labels before you begin the application process.

Photo: Brittany Ambridge

Reassemble your Furniture

Once every part is ready, it is time to put the puzzle back together. In some instances, steps five and six might be inverted; regardless, you have completed most of the work, you should be proud of yourself.

This is your first work, document your progress. Take before and after pictures so you can see the progress you have made and the transformation in the furniture. As you develop your technique, you will find materials, sanding papers, paint thinner and other products you feel more comfortable with. Take notice and keep them on stock, you never know when a second project might come your way. If you find that you have a knack for it, furniture restoration can become a profitable hobby.

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