Subject: Carport Damage from Tornado – Need Advice on Filing a Claim
Hi everyone,
We experienced a tornado recently, and unfortunately, the carport at our apartment complex collapsed onto our cars.
I’m unsure of the best route to take for filing a claim. Should I go through my car insurance, the property owner or management company, or rental insurance?
Any guidance would be greatly appreciated! Thank you!
I’m sorry to hear about the damage to your car! In this situation, you’ll want to take a few steps to get the claims process started:
Document the Damage: Take clear photos of the damage to your car and the carport. This will be helpful for any claims you make.
Car Insurance: Start by contacting your car insurance provider. They may cover damage caused by falling structures, but it will depend on your policy.
Property Owner/Management: Reach out to your apartment complex’s property management or owner. They may have insurance that covers damage to common areas or structures like carports, and they can inform you of the process to file a claim with them.
Rental Insurance: If you have rental insurance, it’s worth checking your policy to see if it covers personal property damage from incidents like this. They may help cover your costs or assist with your claim.
Local Authorities: If the damage was extensive or if there are safety concerns, you may want to report the incident to local authorities or a building inspector.
It’s a good idea to contact each party to understand your options and proceed with the claims that apply to your situation. Good luck!