There’s no doubt that coronavirus has impacted homeowners, businesses, communities, and the rest. While businesses are working out how to recover, as a homeowner, it’s also worth knowing how COVID-19 has impacted and will continue to impact your home insurance. Here is what you should know.
Home insurance inspections
If you need to purchase home insurance right now, whether you’ve just bought a new home or you’re shopping for a better policy, you might need to have a home inspection as a condition of the policy. However, a professional may not be able to visit your home during this time. As a result, you may be asked to record a video of the rooms around your home on your smartphone and send it to the insurer. If a professional is able to visit, you can expect them to maintain social distancing during the process.
Creating a claim
If the worst does happen, you may need to file a claim. If you do experience damage and an appraiser is unable to visit your property, many insurance companies offer virtual inspections to limit the people in your home and to speed up the processing. If there are repairs that need to be made, essential workers such as plumbers are able to help.
If you’re having trouble making payments…
If you’re a homeowner who has suffered from the pandemic financially, you may be having trouble paying your monthly home insurance. If this is the case, talk to your home insurance provider as soon as possible to work out how to handle manageable payments.
Auto insurance is there to help protect our pockets and vehicles when we need it the most. While many of us have this reliable coverage, not all of us understand what it does and does not cover. Lawsuits are a common part of getting into a car accident, with many drivers suing others for damages and injury. To understand if your auto insurance can help you with these fees, read on.
In short, car insurance can help to cover some legal fees. If you are being sued, then your car insurance company should cover legal fees and be able to hire an attorney on your behalf. If you are suing someone, however, then you will need to find your own lawyer and pay your own associated legal expenses. However, if you win the lawsuit, then you may be able to collect these legal fees from the at-fault party.