How to File a Home Insurance Claim
Our agency team does their best to provide our clients with all of the information they need to make an informed decision when they are choosing their coverage plan or doing anything else relating to their insurance. A home insurance policy is one of the most important forms of protection you can have for your family and assets. Knowing how to file a homeowner's claim helps you get the most out of your policy, which is why we have outlined that process below for you to follow in the event that your home is damaged.
Before you start, know the difference between a repair that you should claim and a home-maintenance issue. For example, if your roof needs some work and you can afford to pay for it yourself, budget for it. This will not only prevent you filing an unwarranted or unapproved claim, it may even reduce your premium since well maintained homes get better rates.
What You Will Need
- Your policy provider's contact information (visit our providers page to find this)
- Your policy number
- The effective dates of your policy
- Information about the date and time the incident occurred
- Contact our agency as soon as it is reasonable following the incident and contact your provider immediately after
- In the event of a criminal act such as theft or vandalism, be sure to get a police report.
- If there is structural damage to your home, take reasonable steps to prevent further damage to it and your belongings, as any damage that occurs following the incident may not be covered. Keep records on what you spend and submit them later for reimbursement.
- Provide an inventory for any items damaged along with any receipts you may have. Also avoid throwing out any damaged items until you have been visited by a claims adjuster.
- If your home is damaged to the point where you need to find temporary accommodations, be sure to keep records of your expenses during that time.
- Do whatever you can to facilitate the adjuster as they investigate your claim and complete any paperwork as quickly as possible.
As your independent agency, we are here if you have questions before, during, or following a claim. While your insurance company is ultimately responsible for approving and paying out your claim, we may be able to provide you with a more timely response to many questions and can potentially expedite certain processes on your behalf.