If a storm has left your home damaged and in need of repair, you’ll need to file a claim with your homeowners insurance agency if you wish to recoup damages that can help you repair. However, there is a process that you must complete to file a claim with the insurance company. It is vital to follow the process precisely or else you risk having your claim denied.
Before You File
Before you decide to file a home insurance claim, there are a few important things that you should first do. It is important to as yourself, how do insurance claims work? But don’t stop with the question and learn the process and what to expect. Your insurance agent should be more than happy to answer any and all questions that you have to help you better understand the process and what to expect.
Report a Crime
Perhaps it is not weather that has caused the mishaps at your home. Perhaps it is a crime that has turned your life upside down and caused the need to file an insurance claim. Read over your policy to learn the items that are and are not covered by your coverage and then get on the phone to call the police to file a report. Your claim will not be paid if you do not have a police report to substantiate your claims.
Complete All Paperwork
Complete the paperwork provided to you by the homeowners insurance company. It is essential to complete the information in its entirety. Don’t leave any questions blank because this could delay processing of the claim and cause you to wait longer to get the financial help that you need. It will take a matter of weeks to process the claim in most cases but this is something that you can discuss with your agent.
Create a List
You should write a detailed list of the items that have been damaged in your home if you plan to file a claim for loss. This list should be as detailed as possible and include VIN numbers, brand names, colors, etc. when it is possible. If you have receipts for proof of purchase of any of the items, that is beneficial to the claims process.
An insurance adjuster will need to come to your home to inspect the damage once you file a claim. You must be present during the inspection. The appointment can be scheduled any time but there are time limits in place. The inspection helps determine the amount of the damage and how much the insurance company will pay on your behalf.
Hopefully this is information that you will never use, but it is important to know the details in case. When you need to file an insurance claim, doing things the right way from the star minimizes tons of headache and hassle. Put this information to use to avoid any more drama after a major event has dampened your life.