Many people purchase homeowners insurance and never file a claim. However, it’s still essential to have a policy if you ever need it. In 2019, around 5.1% of homeowners filed claims. So, there’s always a chance you might have to.

Your home insurance protects your house from damages caused by specific perils. If you experienced damage covered by your policy, you could file an insurance claim for property damage.

If you don’t know how to file a claim, you can learn the process by reading this guide. Here is an explanation of the steps you must take to complete this process.

Review Your Insurance Policy

sample letter for car accident insurance claim

It might be helpful to begin by reviewing your home insurance policy. Then you can read through it to see what types of property damage claims it covers and learn more about the claims process.

If you discover that your policy covers the damages you’ve experienced, you can initiate the property damage insurance claims process. However, if you’re unsure whether your policy covers it, you should ask your agent.

A typical home insurance policy covers fire, wind, water, and hail damages, but every policy is different.

Contact Your Insurance Company

The next step is to file a property damage claim with your insurance company. You can do this by calling your agent or online.

Additionally, you must make sure you know the property damage claim time limit. This time limit tells you how much time you have to file your claim after encountering damages. But, again, every policy is different.

When you contact your insurance company, let them know that you’ve experienced damages and need to file a claim. They’ll walk you through the steps.

Wait for the Adjuster to Complete the Work

Insurance Adjuster

Property damage claims always require an adjuster’s services. An adjuster is a person who works for your insurance company. The adjuster’s job is to analyze the damage you encountered.

Once the adjuster analyzes the damage, they’ll work on a repair estimate. The adjuster factors in all the damage and every cost for repairing it. When finished, you’ll receive a copy of the quote.

You’ll also receive a check from your insurance company for this amount minus your deductible.

Hire a Lawyer for Help With an Insurance Claim for Property Damage

If you feel that the compensation isn’t enough, you can fight the insurance company. You can fight them alone or hire a lawyer for help. You can contact Dickstein Law Firm if you need assistance.

Homeowners also hire lawyers when their insurance companies deny their claims. For example, if your insurance company says that the damage isn’t covered under your plan, you might disagree.

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You can hire an attorney to read through your policy to determine if the policy covers the damages you experienced.

Seek Compensation After Damages

When your home incurs damages, you can seek compensation by filing an insurance claim for property damage. You can follow these steps if you need help.

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