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Filing a Homeowners Claim

It’s necessary to file a claim with the insurance company if a home is destroyed by a storm or a visitor is injured. It’s important to keep in mind that a homeowners policy is a contract held between an insurer and an individual. This means that there are specific procedures and rules to follow. It’s important to thoroughly read an insurance policy to completely understand individual responsibilities. There are a few pointers that every homeowner should remember.

Immediately report all crimes to the police.

It’s important to notify the police of any vandalism, burglary or other crime. Homeowners should also obtain the names of any police officers involved in the report or investigation. It’s also important to write down the names of all law enforcement officers after speaking with them on the phone.

Make all necessary temporary repairs.

Don’t shell out thousands of dollars for full repairs to a damaged property. It’s best to pay only for supplies to temporarily repair or sustain something. For example, if a window is broken, it’s best to pay for boards and nails or tape and cardboard to temporarily repair it. It would be pointless to pay for an entirely new window until after the claim is honored. Homeowners should save all receipts of items purchased for making temporary repairs.

Call an agent immediately.

After calling the police for any crime-related issues, it’s important to call an insurance agent. If the nature of the claim doesn’t involve a crime, phone an agent immediately after discovering the issue that will become a claim. Since there are time limits for some claims, it’s important to follow this advice. Ask the agent what steps must be taken. Agents are also able to provide advice regarding how long the claims process will take.

List all damaged items.

Don’t discard any items that are damaged before the insurance adjuster is able to survey them. Photographs and videotapes are also acceptable forms of proof in most cases. After making an inventory, make a copy for the insurance adjuster.

Obtain the necessary claim forms.

After receiving notification of a claim, an insurance company must send the proper forms to an individual within a specific time period. The best way to avoid delays is to ensure that the paperwork is filled out correctly.

Keep all receipts after relocating. 

Not everyone has to relocate after filing a claim. However, if the dwelling is uninhabitable, it’s important to remember that homeowners insurance has provisions for living expenses to some extent. It’s best to keep receipts in order to show written proof of expenditures.

Homeowners should carefully follow each of these steps. After filing a claim, it’s best to have an insurance adjuster come out as quickly as possible to survey the damage. Most insurance companies arrange for adjusters to visit a residence. To learn more about this process or to obtain answers to other questions, contact an agent.