Filing an insurance claim for landscaping damage can feel overwhelming, but proper documentation can make the process much smoother. At Milton Stone, we’ve helped countless homeowners navigate their claims, and we know exactly what insurers need to see. In this blog, we’ll walk you through the steps to document your landscaping damage like a pro, ensuring your claim has the best chance of approval.
1. Act Quickly but Safely
The first step after discovering damage is to ensure your property is safe. If a storm has knocked down a tree or a vehicle has hit your fence, assess the area for hazards like live wires or unstable debris before documenting anything.
💡 Tip from Milton Stone: Always prioritize safety. If the area is unsafe, call the appropriate authorities before proceeding.
3. Record a Video of the Damage
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2. Take Clear Photos of the Damage
Photos are one of the most critical pieces of evidence for your insurance claim. Use these tips to ensure you capture everything insurers need: Wide Shots: Show the entire damaged area, including its surroundings, to give context. Close-Ups: Focus on specific areas of damage, like cracks in a retaining wall or scratches on interlocking pavers. Different Angles: Take photos from multiple angles to fully illustrate the extent of the damage. Before and After: If possible, include “before” photos to show the condition of your landscaping prior to the incident.
💡 Pro Tip: Use a smartphone or digital camera with a time-stamp feature to ensure your photos are dated.
4. Gather Supporting Documents
Insurance companies often require proof of the original condition and value of your landscaping. Gather any documents that can support your claim, including: Receipts or invoices: For the original installation or materials. Contracts or warranties: If Milton Stone or another professional completed the work. Professional assessments: A detailed quote or report from a trusted landscaping contractor like Milton Stone.
5. Write a Detailed Description
Along with your photos and videos, prepare a written summary of the incident. Include: What caused the damage (e.g., storm, vandalism). The date and time of the incident. A description of the damaged areas and materials.
💡 Our Expertise: Milton Stone can help you craft a professional report that meets your insurer’s requirements.
7. Work with a Trusted Landscaping Professional
Insurance companies often require an estimate from a professional to process your claim. At Milton Stone, we’re experienced in working with insurers, providing accurate assessments, and guiding homeowners through the process.
6. Contact Your Insurance Company
Reach out to your insurer as soon as possible. Many companies have a specific time frame for reporting damage. Be prepared to provide your documentation, and ask them if they need additional information.
Conclusion: Proper documentation can make or break your insurance claim. With these steps and Milton Stone by your side, you’ll be well-prepared to navigate the process confidently.
If you’ve experienced landscaping damage, don’t wait— CONTACt Milton Stone today for a professional assessment and expert guidance. We’ll help you restore your property and work with your insurance every step of the way.
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