To prove to your insurance company that a door in your home is not in use, you’ll need clear documentation and practical steps that demonstrate its non-functionality. Here’s how you can approach this:
1. Physically Secure the Door
- Lock or Seal the Door: If possible, lock the door permanently or seal it shut with screws or additional fixtures.
- Install Barricades: Place a visible barricade or install a bar across the door on the inside to show that it cannot be used as a point of entry or exit.
2. Photographic Evidence
- Take Clear Photos: Provide high-quality, date-stamped photos of the door from both the inside and outside. Show details that indicate the door is not accessible (e.g., blocked by furniture, secured with screws, or boarded up).
- Include Wide Shots: Capture images showing the whole area around the door to confirm that it’s not in use.
3. Video Walkthrough
- Record a Video: Create a video walkthrough demonstrating that the door is sealed or barricaded. Narrate during the video to explain that the door is non-functional.
- Attempt to Open It: Show that you’re unable to open the door to further confirm its status.
4. Professional Inspection or Contractor Report
- Hire an Inspector: If you want to add credibility, have a licensed contractor or home inspector prepare a written report stating that the door is no longer functional or sealed.
- Provide Documentation: Submit a copy of the contractor’s report to the insurance company.
5. Letter of Explanation
- Draft a Letter: Write a detailed letter explaining why the door is not being used (e.g., security reasons, renovations, etc.). Include information about when and how it was secured.
- Attach Supporting Documents: Include the photos, video, and professional reports as evidence.
6. Insurance-Specific Forms
- Check with Your Insurance: Some insurance companies might have specific forms or guidelines for documenting non-usable entry points. Contact them to see if you need to fill out any particular documents.
Tips for a Smooth Process:
- Keep Copies: Always keep copies of any documents or photos you send to your insurance company.
- Follow Up: After submitting your evidence, follow up to confirm receipt and see if any further information is needed.
- Get Confirmation: Request written acknowledgment from the insurance company confirming that they’ve accepted your evidence and noted the change.
This method ensures transparency and helps solidify your case with the insurance company, giving them confidence that the door poses no risk as an entry point.