Fire? Flood? Call 911...Then Call Your Attorney
You may be weary but you must be wary.
Can you imagine how lost you would feel if you watched your entire house get destroyed by some disaster? Your home, your respite from the world, all of your clothes, your furniture, the wedding jewelry box your great-grandmother made for you, photos of your children as babies, your medicine …all destroyed.
You assume that your insurance company will come in and take care of everything or at least get you started in the right direction. But remember this important fact: they can only write the checks. The work on your home and your personal property will be done by outside vendors, particularly fire and water restoration companies. Routinely insurance companies recommend their “trusted” or preferred vendors, who are on site before the fire trucks even leave your home. Despite being disoriented and in shock, you now have to put on your thinking cap and read the fine print in several contracts before you give them your John Hancock. If you don’t, you might end up forfeiting part of the insurance coverage you paid a premium for to a service vendor, who decides how much to restore or clean and how much to charge for their service, without you having a choice in the matter. Kind of like writing themselves a check with your insurance dollars.
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Late at night, on a road that doesn’t have any street lights, driving through the darkness when suddenly, you violently impact something unseen and unknown; something that is 500 pounds of (soon to be) dead weight. After you regain consciousness, you find a dead cow by the side of the road and rescue workers are trying to free you from the twisted wreckage.