Know what to do if you need to file a home insurance claim.
After an incident, such as a fire or theft, has occurred, it’s natural to panic. As a homeowner, you take great pride in your property, from your house to your belongings. When damage or loss does happen, it’s important to remember that your homeowners insurance policy is there to help. So that you know what to do to file a claim, here are some tips to consider.
Gather as much information as possible. You want to document the damage to your home and belongings from different angles. Be careful not to expose yourself to any harm during this process, though. If it is safe to do so, take pictures of the damage. These will then be sent to your claims adjuster.
Call your insurance agent right away. Always call your insurer to report the damage as soon as possible. Call your insurer before you get a contractor to start repairs.
Keep receipts. If you need to make some minor repairs to prevent further damage, do so. However, be sure to keep the receipts, as your insurer may be able to reimburse you for these expenses.
Have an updated home inventory on hand. Theft, fires, and natural disasters all impact your house as well as your belongings. When an accident happens, be ready to tell your insurer what items you lost and how much they were worth. A home inventory can help to provide those details to your carrier; otherwise, you may be relying on guesswork.