General Real Estate

What To Do If You Need To Make A Claim On Your Home Insurance

Making a claim on your home insurance isn’t a fun process, but it can save you a lot of time and headache. If you have issues in your home, or have recently experienced damages, then it may be wise to make a claim through your home insurance. Here’s what to do if you think you might need to make a claim on your home insurance.

Read Your Policy

First thing’s first: if you think you need to make a claim on your home insurance, first review your policy’s paperwork to confirm this is something you are eligible for, and to see exactly what your required action steps are. If the inciting event was something along the lines of a natural disaster, reach out to your insurance professional immediately. If the event is something related to burglary, or some other crime, your first step should be to call the police.

Reach out to Your Insurance Team

Once you’ve reviewed your policy and are clear on the next steps, you should call your insurance company. They are professionals and will be able to guide you through the immediate next steps, and let you know what’s going to happen next. Ask them specific questions such as: Am I covered? How long do I have to file a claim? Who else do I need to contact? Ask them any questions that you have, and if they are efficient adjusters like, then they’ll be able to quickly and efficiently give you the answers you need.

Fill out Claim Forms

Once you’ve confirmed that you will in fact be moving forward with making a claim on your home insurance, the next step is to fill out any necessary claim forms. Your insurance company will send you these – make sure that you fill them out as quickly and accurately as possible to move the process forward smoothly.

In addition to claim forms, you should also make any statements you need to during this time. Your insurance representative will guide you through this.

Assess the Damage

After the incident takes place, be sure to take photos to document any immediate damage. Once you get in touch with your insurance company, they should send someone out to inspect and note the damage. This is a crucial step because it will determine your reimbursement plan and budget. Be sure to show the adjuster as many affected areas as possible, even areas that may appear as though they were not affected.

Make Temporary Repairs

After the adjuster comes out to inspect the damage, the process of making long-term repairs will begin. You will be put in touch with a contractor, or anyone else who will help you remedy these damages. The process of making these repairs usually takes longer than anticipated. In the intermediate period, be sure to make any temporary repairs to keep your home in working, and livable conditions.

While filing a claim can seem to be a hassle, if you follow these steps and have a strong insurance team, the process can be close to painless.

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