Imagine you are enjoying a quiet evening at home in Toledo, Ohio when suddenly, you hear a loud crash. You rush outside to find that a car has collided with your house. The shock and confusion can be overwhelming, but knowing what steps to take next can help you regain control of the situation.
Ensure safety first
Your immediate priority is to ensure everyone’s safety. If there are any injuries, call 911 right away. Once everyone is safe, you can focus on addressing the property damage.
Contact the police
Report the accident to the local police. They will document the incident and create an official report, which is crucial for your insurance claims. Make sure to get a copy of this report for your records.
Document the damage
Take detailed photos and videos of the damage to your house and any vehicles involved. This documentation will be essential when filing insurance claims and seeking compensation.
Notify your insurance company
Contact your homeowner’s insurance company to report the damage. Please provide them with the police report and any documentation you have. They will guide you through the claims process and inform you of the coverage available under your policy.
Contact the driver’s insurance company
If the driver who caused the accident is insured, you should also contact their insurance company to file a claim for property damage. Ohio law requires drivers to carry liability insurance, which should cover damages to their property.
Secure the property
If the damage has left your home vulnerable, take steps to secure it. This might include boarding windows or doors to prevent further damage or theft. Your insurance company may cover these temporary repairs.
Consider legal advice
Consider consulting with a lawyer, especially if there are liability disputes, or the insurance companies are not cooperating. A lawyer can help you navigate the legal aspects and ensure you receive fair compensation.
Repair and restore
Once you settle the insurance claims, you can begin repairs. Keep all receipts and records of the work done for your insurance company. Ohio law allows you to choose your contractor, so select one you trust.
By following these steps, you can manage the accident’s aftermath and work towards restoring your home. If you need further assistance, do not hesitate to contact professionals who can help guide you through this challenging time.