How To File Home Insurance Claims
How To File Home Insurance Claims
A large number of people pay insurance premiums for many years without ever submitting a claim. One day something unexpected happens and they have to submit a claim, but they’re not certain how to go about it. We will briefly outline the correct procedure to follow with home insurance claims below.
The very first thing that you should do is to inform the insurance company of what happened and to tell them that you want to submit a claim. You can phone the agent, but to keep a record of what happens it is actually better to email or fax him. Provide all the relevant information and fill out any forms they might require you to fill out.
Just a note: it’s always a good idea to make sure you have the contact details of your insurance agent available even if your house should be destroyed by fire. Keep it stored on your cell phone, in your wallet or in your car’s glove compartment, or even on your computer at work.
After this you have to make an assessment of the extent of the damage to your property. Write down all the details so you can use it in your insurance report. If you have a video camera (or just an ordinary camera), take videos or pictures of all the rooms to show what they looked like immediately after the incident. Make a list of all the items included in your claim, for example computers, clothing etc.
Your next step is to effect any emergency repairs which are necessary to prevent further damage. Keep in mind that the insurance company will refuse to pay out for damage that happens after the incident which were preventable by you. If there are broken windows, for example, cover them with tarps to prevent further damage to furniture etc.
After this information has been provided to the insurance company, you can only wait. Remember that you are not the only one who submitted a claim on that particular day – chances are there were many other home insurance claims filed on the same day. If you are really unhappy with the insurance company’s response, you can always file a complaint with your state’s insurance commissioner.
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Category: From the Editor
