You only find out just how good your home insurance is when you make a claim. That’s when you really find out just how good your insurer is. What you want is an insurer who will handle your claim swiftly and efficiently, and actively look to help you, rather than trying to wiggle out of paying what you are due. But you also have to play your part – by filing your claim correctly. Check out these tips to help you file a claim.
Report any crime to the police. If you are the victim of theft or your home has been vandalized, report it to the police. Get a police report and the names of all law enforcement officers that you speak with as you may need to provide the details of the event to your insurer.
Call your insurance professional. Alert your insurance company to the disaster as soon as possible. Ask if you’re covered, how long you have to file the claim, and if the claim will exceed your deductible. If your loss is lower than your deductible, you probably won’t want to go through the claims filing process.
Have the insurance adjuster inspect the damage. Your insurance company will likely arrange for an adjuster to come and inspect the home. He or she will be able to determine how much the insurance company should pay for the loss by inspecting the damage.
Make temporary repairs. Photograph or videotape the damage and then take reasonable steps to prevent future damage. If possible, avoid throwing out damaged items until the adjuster has visited your home. Save receipts for what you spend as you may be able to submit them to your insurance company for reimbursement.
Prepare a list of damaged articles. Supply the adjuster with a list of damaged or destroyed items, saving a copy for yourself. Having a home inventory will speed this part of the claims process.
Don’t hesitate to ask questions. Always ask your insurer questions if you are unsure!
One of the most important parts of protecting your home is securing a homeowners insurance policy from a professional agency that can help you in the claims process. Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.Top of FormBottom of Form