How to File a Home Insurance Claim
When disaster strikes, knowing that your homeowners insurance policy will cover any repairs that need to be made can be a real stress reliever. If you’ve never filed a claim before and need to do so to get your home and belongings back on track, it can seem like a daunting process. With a few important steps involved, check out these tips to help file a claim smoothly.
File a Police Report
Report the incident to the police if there’s been a burglary in the home. Make sure a full police report is filed and you have a written copy. Also, try to acquire all law enforcement names and police officers that you speak to so that you can have everything properly filed and documented.
Inform Your Insurer
Call your insurance company as soon as possible to alert them of the incident. Insurance policies place a time limit on filing claims, so it’s important to place that call soon after a loss.
Be Clear on Coverage
While you’re on the phone with your insurance agent, be sure to ask questions if you aren’t sure about coverage and limits. Some good questions to ask are:
- Am I covered?
- Does my claim exceed my deductible?
- What will I need to file a claim?
- How long will the claims process last?
Make Minor Repairs
Sometimes, we need to make minor repairs to the property to prevent further damage. If your home is suffering water damage and you need to hire cleaners to scrub the walls and remove the water, do so. Be sure to keep the receipts for these expenses, as your insurer may be able to reimburse you.
Don’t Throw Items Away
Do not rush to throw damaged items away, unless they are a health hazard (such as rotting food). Your insurer may want to inspect the damage for themselves.
Document the Damage
Before clearing up or starting any repairs, take plenty of photos of the damage to your home and property. Don’t forget to document any damage to personal property, including furniture, clothing, and electronic equipment.
Remember, having the right homeowners insurance in place can make all the difference during the aftermath of a disaster. Contact Chambers & Company Insurance Brokers and our specialists can ensure you secure and understand reliable coverage.