What you need to know to get your home insurance claim filed smoothly.
When the worst happens to your home, you want to act quickly to get everything back in place ASAP. Part of repairing and replacing your property is to file a home insurance claim if the damage was caused by a listed peril. To ensure that filing your claim goes smoothly, here are a few things you should know.
Prevent additional damage
Whether you had a break-in or there was a kitchen fire, the potential for additional damage exists. The standard home insurance policy requires that the insured take reasonable and necessary repairs to protect the property from further damage. This can mean you need to replace locks, board up the home to discourage vandalism or turn off water and gas supplies.
Report the claim immediately
One of the most important steps in filing a home claim is to call your insurer as soon as possible. If you have a theft claim, you are required to contact the police and file a report. Insurers often state that you need to report the claim promptly otherwise they can deny coverage.
Take pictures
Document the damage right after it happens so that the insurer can understand the extent of the damage. Simply taking a few snaps on your phone can help to speed up the claims process.
Work with your insurance company
You may be required to provide a list of damaged property to the insurance. This may be overwhelming if you have not prepared a home inventory to reference (which is why it is a good idea to create one now!). Keep in mind that the insurer may send out an adjuster to evaluate the damage and assess the size of the claim. The easier it is to keep the lines of communication open, the faster a claim can be settled.
Skip the search of finding the right homeowners insurance policy for your needs, visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.
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