If someone gets hurt on your property or a storm wreaks havoc on your home, you’ll need to file a claim with your insurance company. Think of your homeowners policy as a contract between you and your insurer, with rules and procedures both sides need to follow. So, grab your policy and check out what you need to do.
Report Any Crime to the Police
If you’ve been a victim of theft or your home has been vandalized or burglarized, call the police right away. Make sure to get a police report and note down the names of all the officers you talk to.
Phone Your Agent or Company Immediately
Time is of the essence when it comes to filing claims. Find out the deadline for filing and ask these key questions: Am I covered? Does my claim exceed my deductible? (That’s the amount you agree to pay out of pocket when you buy the policy.) How long will it take to process my claim? Will I need to get estimates for repairs?
Make Temporary Repairs
Take steps to prevent further damage to your property. Keep receipts for any expenses and submit them to your insurance company for reimbursement.
Prepare a List of Lost or Damaged Articles
You’ll need to prove your loss, so don’t throw out damaged items until the adjuster has seen them. Consider taking photos or videos of the damage. Create a home inventory, make a copy for your adjuster, and provide receipts for the damaged items.
If You Need to Relocate, Keep Your Receipts
If your home is badly damaged and you need to stay elsewhere while repairs are made, keep records of all additional expenses. Most homeowners insurance policies cover the “loss of use” of your home.
Get Claim Forms
Once you’ve notified your insurance company of your claim, they must send you the necessary forms within a specified time period (which varies by state). Fill them out and return them as soon as possible to avoid delays.
Have an Adjuster Inspect the Damage to Your Home
Your insurance company will likely send an adjuster to inspect your home. Once you and your insurer agree on the settlement terms, state laws require prompt payment. Most claims are processed quickly, but if you have any questions about the laws in your state, contact your insurance agent or state department of insurance.
We hope this helps! If you have any more questions or need further assistance, feel free to contact us at the information above.