If you ever need to file a homeowners insurance claim, there are are rules and procedures that you and the insurance company must follow – so carefully review your policy to see what your responsibilities are.
If you ever need to file a claim, contact your insurance company immediately since most policies have a time limit for filing a claim. Ask if your policy will cover the claim and ask if you need to obtain any estimates.
Document all contact with your insurance company and accompany the insurance adjuster during damage inspection.
You should methodically document any damage to your property – taking photos and videos if possible – and keep receipts for all related expenses. If emergency repairs are needed, ask your insurer for a list of approved companies authorized to make repairs on your property.
If your home is ever burglarized, report the crime to the police and be sure to get a copy of the police report and the names of the officers involved.
Understanding your homeowners policy will help you know what’s covered… and being meticulous with your claim will help you reach a settlement and get paid more promptly.