Recovery Help

The process of negotiating with your insurance company can be difficult. Getting the claim you deserve can be achieved with correct documentation and experienced representation. DTL Global specializes in helping you recover after damage to your business or home.

What Happens Now?

• Report your loss to your insurance company and/or your insurance agent as soon as possible. (as required by your policy)
• Protect your property from further loss. Board up openings and put up fencing where necessary to protect your stuff and keep others from getting hurt.
• Acquire a complete copy of your insurance policy from the insurance company or your agent (including all forms and endorsements) if you do not have one already.
• Read and make sure you thoroughly understand your rights and obligations under your insurance policy before entering into any serious discussions or negotiations with your insurance company. Seek out a professional to help you understand what your policy means. There are many who will do this for no charge.
• Be prepared to separate the damaged from the undamaged property. (as required by the insurance policy)
• Be aware of contractors asking you to sign a contract for any services other than that for emergency services. You should not hire a contractor to rebuild your home or business until you have settled with your insurance company and know how much you have to spend on reconstruction.

DTL Global “To Do” List For the Insured in the Event of a Loss

• Put insurance company on notice of the claim.
• Document who you spoke to and time and date of notification.
• Request a certified copy of your policy.
• Write down your claim number & name of the adjuster.
• Request an advance from your company to pay for your expenses.
• Mitigate your loss. Use a professional mitigation company if possible.
• Salvageable clothing should be secured and cleaned by professional restoration dry cleaners.
• Take photos of all discarded items.
• Secure the property. Board up windows & doors.
• Winterize plumbing and fixtures if applicable.
• Document all your expenses with receipts.
• Secure temporary living accommodations such as a hotel or temporary housing.
• Secure furniture rental service.
• Document all meals with receipts.
• Contact Cable Company to discontinue service.
• Have your mail forwarded to new temporary accommodations.
• Have your phone company forward your calls.
• Have Phone Company set up service in temporary housing.
• Call Electric Company to set up account at temporary housing if needed.
• Call Gas Company to set up account at temporary housing if needed.
• Get copies of your deed. Notify Mortgage Company of your intent to fix the dwelling.
• Keep a daily diary of all expenses you incur over and above your normal expenses.
• Save all documentation of theses expenses.

DTL Global “13 Steps To Recovery”

1. Policy reviewed and coverage’s determined.
2. Insurance company contacted.
3. Provide detailed documentation of the loss.
4. Dwelling damages inspected by experts.
5. Personal property damages determined and itemized.
6. Determine additional living expense claim if applicable.
7. Determine business interruption claim if applicable.
8. Provide written detailed estimates of the claim.
9. Review the claim with the client.
10. Submit the claim to the insurance company.
11. Discuss and negotiate with the carrier to effect a settlement.
12. Finalize the settlement.
13. Prepare all closing documents and secure payment.