How To File A Home Insurance Claim

Home insurance is designed to pay for damages that are done by theft or disaster. You can save thousands of dollars by having home insurance. However, there are several steps that you will have to take to file an insurance claim.

Call Your Insurance Company

The first step in filing an insurance company is to contact your insurance company. Most insurance companies have customer service agents available 24 hours a day, 7 days a week. Your insurance company will assign a claims adjuster to your case. The claims adjuster is responsible for determining how much financial compensation you will get for repairs or replacements.

Meet With the Adjuster

You will have to meet with the adjuster before you get any compensation. Make sure that you avoid cleaning up until you have met with the adjuster. However, if you have to clean up to prevent more damage, then it is okay for you to do that. You will need to take pictures so that you can provide proof of the damage.

Document Everything

The insurance company will ask for proof that your home has been damaged. You may also need this information if the insurance company under compensates you, and you have to file an appeal. You can take photos and videotape the damage. You will also need to provide details about the incident. Write down the time and date that the incident occurred. You will also need to give details about what happened.

Provide a List of Items

You will need to give your insurance adjuster a list of all of the items that need to be repaired or replaced. If you have this in writing, then it will be a lot easier for your insurance company to compensate you. After you give the adjuster a list and they give you an estimate, you will be able to start getting your items repaired and replaced.

Consider Hiring a Public Adjuster

Even though the insurance company will assign you an adjuster, you may want to consider hiring a public adjuster. You may not agree with the estimate that your adjuster gives you because it may be too low for you. A public adjuster will assess the damage independently.

What You Should Avoid Doing

There are several mistakes that homeowners make when filing a home insurance claim. You need to avoid doing the following.

  • Throwing away items- You will have to document the loss, so you do not want to throw anything away.
  • Waiting too long-You should contact your insurance company as soon as possible. Waiting too long will delay the process.
  • Not completing all of the forms- Your forms will have to be filled out completely and accurately in order for you to get compensation.
  • Not understanding your policy- You should have an idea of what your insurance company does and doesn’t cover. It is important to remember that many home insurance policies do not cover flood damage. You should also know the maximum amount of compensation you can get.