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Your guide to Denver property damage claims


November 13, 2019

Property damage claims might be overwhelming, after all you’re dealing with your home or someplace you’ve invested a lot of time, money, and care. However, property damage claims might be easier than you think. We’ve put together the two easy steps you need to know about when making a Denver property damage claim. 

Review Your Policy
The first step when dealing with any damage claim is to read your policy. Yes, it will be a little hard to get through if you’re not familiar with insurance lingo but it’s an important step. Read through the policy until you get a basic idea of what’s included, and what questions you need to ask. If you don’t have a copy of your policy, be sure to ask for one. Nowadays, most insurance policy carriers can email you a copy no problem.

Let’s take a quick pause. When looking through your policy keep an eye out for Additional Living Expenses (ALE). ALE is part of your coverage that will help cover just that - any additional expenses that have been incurred due to the loss of your residence. This might include pet boarding, rent, food, gas, and even mileage. Some other expenses might be covered as well, we recommend asking your insurance company if they can send over a list of what is covered under your ALE policy. 

File the Claim
Once you review your policy, it’s time to file the claim. You’ll need to make sure you have plenty of photos, as well as an inventory of what you’ve lost and any receipts/claims to back up the worth. Your policy will cover up to a certain amount, just make sure you are ready to pay the deductible. Most insurance deductibles range from $1000 - $2500. When going through the claims process, be sure to keep in close touch with your insurance adjuster. They can help you navigate the process and answer any questions you might have. It’s important to be patient, these claims can take months to settle. 

Now that you know the two starting steps in filing a property claim, you are ready to get on our way. Remember, if you are ever unsure about something in the process you should ask questions. If you ever get caught up, and are concerned contact us. At Aspen Claims, we’ve helped thousands of clients get what’s rightfully deserved in the event of natural disaster, property damage, and personal injury. That’s why residents and professionals from Aspen, Denver, Littleton, Aurora and across the United States rely on our expert staff and highly professional claims adjustment service. To get started, just give us a call at 888-819-5904, we are happy to help and would love for you to experience the Aspen difference.