What To Do In The Event Of A Car Crashing Into Your RI Home
Picture this, you and your family are sitting in your Rhode Island home watching tv, and all of a sudden a car comes crashing in through your living room wall like a wrecking ball. What do you do now? Well, the very first step is to call 911 and make sure that everyone is safe and uninjured. It is also advised to vacate your home until first responders arrive as the integrity of your home may be jeopardized after vehicle strike damage in RI. Many not realize this, but public adjusters and restoration services cover all types of damage, not just water damage, fire damage, and mold damage.
Dealing With Your Insurance After Vehicle Strike Damage in RI
The next step would be to collect information such as the name, contact information, and insurance information from the person who was driving the car, if possible. Your next move should be to call a public adjuster such as Performance Adjusting. We can get someone over to your house in no time working on getting your house restored and the money you deserve from your insurance company. In most insurance policies, there is a coverage clause for a car crashing into your house which is known as “vehicle strike”. In a situation like this, the driver of the vehicle is liable for all damages, but you may not get all the money you deserve. With auto insurance, policies have a “property damage clause”. This means that their insurance will only be able to pay out the allocated amount for that clause, even if it not subsequent to what you need to repair your Rhode Island home or business. You may go about suing the driver if they don’t have insurance, but that could cost a lot in court fees and has no guarantee. It’s better to call us before pursuing any of the above so we can make sure all the right steps are taken.
Assessing The Vehicle Strike Property Damage
Aside from the structural integrity and physical damage to your home, you will need to gather and assess the damage to the contents within your home such as appliances and upholstery. You can leave it to us to asses your contents damage. We will send trained professionals to your home in order to get an accurate price point of how much you will need from your insurance company in order to fully restore your home to pre-accident conditions.
What Do I Do Next?
After calling us and having your damages restored to make your house livable temporarily, we will help you find the right people to fix your home and help you get the money that you deserve. If your house has become unlivable, compensation for staying at a hotel can be redeemed from your insurance company with our help as well as placement in a temporary home. Our phone line is 24/7, so even if this happens at 2 am on a Sunday, we can get someone out there to start helping you fix your home and get it back to normal, as well as get you the most money possible from your insurance company. Click here for a free consultation for any vehicle strike damage in RI you may have.