Filing a Claim
The following steps are crucial when filing a Home Insurance claim.
List and Photo-Document Your Losses
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.
Notify Your Insurance Company
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.
Make Necessary Repairs
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.
Call the Police
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.
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