After a Loss

After an event that causes damage or extensive loss to your property and home, you may need to file a claim. There are a several steps you can follow to make this a smooth flowing process so you can resume a normal life as soon as possible.

Take careful stock of any loss to your property and possessions. Make a written list and photograph everything. Resist removing anything from the property. In most cases, the claims adjuster will have to come to your home to review and assess your loses.

Call you insurance company as soon as possible to open a claim. The representative should be able to walk you through your coverage and start the process for scheduling an adjustor to inspect, as well as any damage cleanup or repair service.

If you have to make any temporary repairs, do so as is necessary to prevent any further damage to your property. Make sure you hang on to your receipts so you can file for reimbursement.

If your home is destroyed or damaged to the point where it is not inhabitable, then you and your family may need to relocate to a temporary dwelling. Make sure you hold on to all receipts for any additional expenses you incur due to this “loss of use” of you home.

In the event your house is burglarized or vandalized, you need to report it to the police as soon as possible. Be sure to obtain a copy of the police report as you will need it when filing a claim.

Keeping these tips in mind when filing a homeowners insurance claim after a loss will ensure the process goes through in a relatively smooth and orderly fashion.

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