Do you need to file a home insurance claim?
Filing a home insurance claim might seem like a stressful process, and it can be if you’re not adequately prepared. While no one likes dealing with the insurance company, knowing the claims process ahead of time and gathering everything you need will save you time and stress.
We know that all you want is your home repaired as quickly and inexpensively as possible. Keep reading to learn more about home insurance claims and what you need to do to get one filed right away.
Everything You Need to Know About Home Insurance Claims
Do you know how to file a home insurance claim? If you’ve never submitted one before, you might not know where to start.
To help you get started, here are five steps you need to take to get your home insurance claims taken care of quickly:
1. Call Your Insurance Company Immediately
The best thing you can do is call your insurance company immediately after you notice damage to your home. Don’t wait until you’ve cleaned up the problem or contacted your own restoration company.
Your insurance company should have a number to call that will connect you with a representative who is available twenty-four hours a day, seven days a week.
2. Document All the Damage
The next step is to document everything in your home that was damaged. Create a list of everything that needs to be replaced, including the estimated value of the item.
Taking photos is critical at this step, in case your insurance company asks for proof of the damage. If there’s damage that needs to be treated right away, make sure you keep any receipts to try and get reimbursed later.
3. Protect Whatever Items Are Left
After you’ve contacted your insurance company and documented lost items, make sure you take steps to protect whatever is left in your home.
You can also find alternative housing if you need it. Check with your insurance company before you move out, to make sure that your temporary accommodation will be covered.
4. Meet with an Adjuster
A typical step in the home insurance claims process is meeting with an official claims adjuster from your insurance company. This person will come to your home, meet with you and assess the damage.
After they’ve taken in all the damage, they’ll determine how much money you need to repair the damage. Your adjuster will be your point of contact through the entire claims process. They’re there to answer any questions and help you along the way.
5. Contact a Restoration Company
Like we mentioned earlier, your insurance company will likely have approved vendors, but you should still get a second opinion. Your independent contractor might be able to reassess the damage and get you more money from your insurance company.
Learn More About Home Restoration
After you file your home insurance claims, you’ll need to start the long process of restoring the damage.
Check out the rest of our blog for more helpful advice about insurance companies and the home remodeling process.