Every year, about one in 20 insured homeowners file home insurance claim submissions.
Whether you own a condo, single-family home, or multi-unit apartment complex, all eligible structures qualify for the protection of a homeowner insurance policy. If you ever experience a property loss, your insurer covers the cost of damages.
However, to qualify for coverage, you first need to file a claim and report any form of loss.
Still confused about the process of filing a homeowners insurance claim? Here are some steps to get you started.
Report Any Crime to the Police
The first step to filing a homeowners insurance claim is to report any crime to the police. This is important because the police will document the crime and this will be used as proof when filing the claim.
Notify Your Insurance Company
The next step is to contact your insurance company and let them know that you will be filing a claim. They will likely ask for proof of the crime, so it is important to have the police report from the first step.
The insurance company will then begin the process of investigating the claim and will determine if you are eligible for coverage. You will likely need to provide some basic information, such as your policy number, the date of the loss, a description of what happened, and the contact information for anyone involved.
If you need professional assistance, visit shochet.legal to find insurance claims services in your area.
Make Temporary Repairs
If your home has been damaged, you may need to make temporary repairs to protect your property from further damage. Be sure to take plenty of photos or videos of the damage as well as any repairs you make. Keep all receipts for any materials you purchase. Your insurance company will likely need this documentation when you file your home damage claim.
Prepare for the Insurance Adjuster’s Visit
The adjuster’s visit can be overwhelming, but if you’re prepared, it will go smoothly. Here are some things you need to prepare for the adjuster’s visit:
- insurance policy
- any documented proof
- estimate of damages
- receipts for repairs
- photos or videos of the damage
Have the Insurance Adjuster Inspect the Damage
Once you’ve reported the loss, an insurance adjuster will be assigned to your claim and will likely contact you to discuss the next steps. The adjuster will assess the extent of the damage and determine the amount of the claim. Once the claim is approved, the insurance company will send you a check for the damages.
Filing a Homeowners Insurance Claim
The process of filing a homeowners insurance claim can be daunting, but it’s important to know what to do and to be prepared. With a little planning, you can ensure that you’ll be able to file a claim and get the money you need to fix your home.
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