Steps In Filing Home Insurance Claim
April 17, 2019
When an unfortunate event happens to your home, and you need to make a claim on your home insurance company, here are some of the steps that you need to do.
- Report to the police.
- If a crime happened in your home like theft or vandalism, report it to the authorities.
- Ask for the police report and the names of the officers that you talked to because you might need to give this information to your insurer.
- Contact your insurance provider.
- Call your insurance company and ask for information like if you’re covered.
- How long you’d need to file a claim, if your claim will exceed your deductible, how long the claims process is, etc.
- Fill out the claim forms immediately.
- Once you have confirmed that you’ll be making a claim, your insurer should send you the claim forms within a specific period.
- Fill out the form and return it to them as soon as possible to prevent any delays.
- Damage inspection.
- Most likely, your insurer will send an adjuster to interview you and inspect your home.
- This is a company representative who does the inspection and estimates the amount that the insurance company should pay.
- Prepare for the adjuster’s visit.
- To avoid any delays during the visit and to speed up your claims process, prepare to show the structural damage.
- Then list of damaged items to the adjuster. This is where your home inventory would be helpful.
- Take a photo or video of the damage. You can do reasonable repairs to prevent further damage.
- Keep the receipts of your repair costs as you might be able to reimburse this to your insurance company later. If you can, don’t throw away damaged items before the adjuster visits your home.
- Keep your receipts if you have to relocate.
- If you have to move out of your house and find other accommodations while waiting for the repair to be made, keep a record of all your expenses and receipts.
- Most insurers cover these additional living expenses, but you have to submit proof of the costs..Ask questions
- Don’t be shy to ask your insurance provider or your state department of insurance if you have any question about your claim.
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