Since the hail season is upon us let’s talk about filing a hail damage claim on your homeowner’s insurance. This should be a very simple process, depending on which insurance company you have. Most homeowner’s insurance policies cover damage that is caused by hail. In most cases, hail damage is an easy claim to file that should help you see results quickly. If your car is damaged, you will need to use your auto insurance company to report that claim.

What’s Covered?

Most hail damage is covered by a homeowner’s insurance policy. This may include damage to windows or siding caused by the hail. Damage to the roof or other structural aspects of the property may be covered as well. Personal property can also be covered for hail under your home owner’s policy. Damage to most aspects of your property will be included in your policy.
Any time property is damaged, especially your home, you may have the ability to file a homeowner’s insurance claim against it. Check with your actual policy to find out if there are any restrictions on hail damage.
One thing that most homeowner’s insurance companies require is protection. When you can do anything to help prevent damage from an oncoming storm to your home, do so. For example, if you know a storm is coming install plywood over your windows to protect them. Your homeowner’s insurance company may reimburse you for the costs of the plywood. You will need to have a receipt for them, though. Check with your policy about specifics in this area.

How To File A Hail Claim?

To file a hail damage claim, first contact your insurance company. Many offer claim hot lines which allow you to readily schedule an inspection of the property’s damage. You can also call your actual homeowner’s insurance agent who will walk you through the claim process. Generally, to file a hail claim on homeowner’s insurance, you simply need to contact the insurance company and wait for the claim’s adjuster to visit. If you know a contractor, you could have him come out and give you an estimate for the hail damage that he notices. In some cases, insurance companies may give you a list of companies to call that will provide free estimates. You can choose the right one for the job, contact them and have the estimate done. Give that estimate to your claim adjuster when he arrives to inspect the damage. Today, many homeowners’ insurance companies are able to work quickly through these claims, even if an adjuster needs to visit the property. While you wait, though, do not do anything to repair the damage. Leave debris in place. Contact local authorities if there are downed power lines or if you are worried about criminal activity. In serious situations, especially when hail is created because of a tornado and you also received serious wind damage to your home, your homeowner’s insurance company will pay for lodging and food if you can not stay in your home because it is uninhabitable. Let your agent or the person that you speak to when you report your claim that your home has sustained serious damage.

Filing a hail damage claim on your homeowner’s insurance is usually a straight forward process. When you work with your insurance company by providing them with quick access to the property, they are able to do their job faster.
Always check the specifics about your homeowner’s insurance policy.

Most fires in a home start in the kitchen. I have included a video that will give you some fire safety tips on preventing kitchen fires.

I want to welcome everyone to my very first blog site. My name is James Bowden, I’m 65 years old and have been married to the most beautiful girl in the world for the last 38 years. Her name is Vickie Bowden. We have two sons and two daughters and 10 grandchildren and 1 great grand son. 3 of the grandchildren and the great grandson is from previous marriages by one son & one daughter, but they are still part of our family. We lost our oldest son to cancer in 2002. We live on the golden gulf coast of Alabama in Mobile, Alabama.

I work as a independent Catastrophe Insurance Adjuster and have been employed in this business for the last 17 years. My title is Senior Catastrophe Response Manager.

I travel extensively and have seen most of this great country of the United States.

When I am not working, I like to read and listen to Southern Gospel music and the 60’s & 70’s music. I like spending time with my wife and grandchildren. I also work out 6 days a week and currently I am training to run my 1st marathon in Washington, DC on October 31, 2010. 

Me & my wife love to travel and have been to most of the major cities and attractions in the United States. Within the next couple of years we want to travel to Jersuleam, Egypt & Italy. Eventually we want to visit the other European countries as well.

I do not have any hobbies as I travel most of the time. I like to play golf, but I only get to play about 4-6 times a year. I like to fish and I have also been able to do some ice fishing while working in Minneapolis, MN. I have also done a couple of Polar Bear Plunges.

I can’t close without telling you that I have joined John Thornhill’s Masterclass Internet Training Program because I want to get off the road. I have been looking into internet marketing for the last 5 years and I have found that John Thornhill is one of the most respected internet marketers on the internet. Click to following to check our

 John Thornhill’s Blog

I wish everyone the very best in what ever they might be doing. If you are looking into an internet business check out John’s blog.      

 John Thornhill’s Blog

Respectfully yours,

James Bowden

I have been an Insurance Catastrophe Claims Adjuster for 17 years. There has been some great rewards in this great field of work. First of all you are helping homeowners recover from a terrible loss. To experience a loss from a hurricane, flood or tornado is devestating. Sometime lives are lost in some of these big disasters. You as an adjsuter have to adjust when you work a claim that a family member was loss due to this disaster. Hurricane Katrina was probably the worst disater that I have worked over the years even though I have worked other hurricanes, tornadoes, floods & earthquakes where lives have been lost. 

The type of claims that a insurance adjuster handle deal mostly with the weather such as: Hurricanes, Tornadoes, Floods, Earthwuakes, Wind Storms, Hail Storms and other weather related disasters.

I spent approximately 20 years as a remodeling contractor before I got into the insurance adjusting business. My experience helped a lot because I had been around a lot of damage because we had two hurricanes to hit where I live in Mobile, Alabama before I got into the business. I knew about damages and how to make repairs or replacements to residences & businesses as needed. 

Anyone can become a Catastrophe Adjuster without construction skills. I am currently writing an eBook on “How To Become A Insurance Adjuster” that will spell out the steps and ways to becoming an insurance adjuster. There are also several other fields of adjusting such as auto, liability, to just name a few.  

Not only are you helping homeowners recover their loss you are also getting to see a lot of the country and experience different foods and life styles.

I have worked in Los Angeles, CA; San Francisco, CA; Chicago, IL; Miami, FL; New York City, NY; Washington,DC; Pittsburg, PA; Houston, TX; Dallas/Fort Worth/TX; just to name a few. In fact I have worked in 38 different states over the last 17 years.

The best part is that I will fly my wife up when I get through and we spend a few days seeing the sights. This has been a thrill for her as we had 4 children and was only able to take a couple of vacations while the children was growing up as they were involved in sports and other activities.

Be on the lookout for my eBook on “How To Become A Insurance Adjuster”

Where can I start to tell you about John Thornhill’s Masterclass Program. First of all, let me introduce myself. My name, is James Bowden and I live in Mobile, Alabama. I am 65 years old with a birthday coming up in June. I travel about 10 months out of the year. I am usually away from my wife, children, grandchildren and my home from anywhere of 6-8 weeks at a stretch until I get back home for about 5-7 days and then back on the road again for another 6-8 weeks. I have been doing this for 17 years.

I was working in Montgomery, Alabama back in November 2005 when I got on the internet one night. I was looking up air freshners to see what would be a good brand to buy for our home. After several minutes I read about an air freshner that had all of the information that I needed and it also had an article about becoming a dealer and making extra income with an opportunity to make even more money working a home based business from home. I was already making good money, but I was interested about making a lot of money so that I could get off the road and have a home based business and work from my home. I sent my email address and my cell phone number to the company for additional information. The next day I got a call from a gentlemen who invited me to get on a call that night for some additional information.

To make a long story short, I got on that call, buy buy the air freshner, became a sales manager and sold a few air freshners. Unfortunate it took a lot of time which I did not have because of my job. I still use and recommend that air freshner.

However, I was forever hooked on trying to start an internet business to get off the road. I am still on the road and have spent thousands of dollars on books, CD’s, DVD’s and coaching classes. As of this date I have not been able to get a business started and have not neeb able to recover any of the money that I have spent.

I was ready to give up when I got an email from Jim Cockrum speaking about John’s Masterclass Program. I clicked onto John’s blog, read it completely and it led me to his Masterclass Program. I didn’t hestitate as this sounded like the very program that I needed. I was going to give it one more shot and I have not been disappointed. Even though I have only finished my second week in the class I am so far ahead of the curve then what I learned in all of the other coaching classes, webnairs and books that I have purchased. I have a blog set up and in the next few weks I am going to set up a web site and start making money and work toward my goal of getting off the road.

If there is one piece of advice that I can give to anyone who wants an internet business and that is to get a good mentor to show them the way forward. I found that mentor in John Thornhill.

I’m sure that if I had not found John Thornhill I would not be seeking an internet business at this time and would have to spend a few more years on the road to recover some of the money that I have spent seeking an internet business.

If you are reading this blog and are struggling on the internet I suggest that you check out John Thornhill’s Masterclass Program.

When something happens, filing a homeowner’s insurance claim is a must.  There are many situations in which people do not take the time to file these claims correctly, which will cost them dearly in the end.  Some insurance companies make the process very easy to do.  Others make it complicated or more difficult than many believe.  Here are some of the most important things you need to know when filing an insurance claim against your homeowner’s insurance.

What You Need To Know

Prior to anything happening within your home or on your property, consider this check list of required documents that you should have readily available to you.  Your homeowner’s insurance policy may require more.

• Documentation of your insurance policy, including the company’s name and reporting requirements
• Documentation of your insurance agent, and their contact information
• A full list of valuable items in your home, including their worth at the time of compiling the list 
• Documentation of your mortgage loan, showing that you have homeowners insurance in place
• Documentation that your homeowners insurance is paid in full.

Having these things by your side will allow you to make good decisions when there is a problem.  It also is helpful to be able to grab important documents when you are in a hurry.  Also, it is very important for you to have read through your homeowner’s insurance policy and understand the specific directions it provides for filing a homeowners insurance claim.

When To File A Claim

There are many times when you will need to file a homeowner’s insurance claim.  You should file a homeowner’s insurance claim whenever someone is injured on your property or any time that your home is damaged due to weather or uncontrollable situations.  It is important to keep in mind that your homeowners insurance policy is a contract between you and your insurance provider.  It outlines exactly what claims you can make and how to follow through with the process.

When you need to file an insurance claim, be sure to contact local authorities whenever appropriate.  If there has been a theft, or you have become a victim, it is necessary for the police documentation to help support your claim.  The police report may be necessary when filing a homeowners insurance claim.  After contacting policy, call your homeowner’s insurance agent next.  They should be able to walk you through any questions you have and help you to file a thorough and complete claim. 

Finally, be sure to check with your homeowners insurance policy to determine how to proceed.  You may be instructed to wait for a claim’s adjuster to access the damage, which means avoiding fixing anything until that time. 

Always follow the instructions that your insurance agent provides to you to protect your claim rights!  It is necessary to following all requirements when filing a homeowner’s insurance claim.

The Silent Sales Machine is probably the best eBay related eBook I have ever read and can highly recommend it.

This post is about filing a Homeowner’s Insurance Claim when you have either a claim at home or from a storm.

I love John Thornhill’s Blog, it’s the coolest blog on the planet.