Filing insurance claims can be stressful and confusing if
you don’t have the right tools to go about it.
Whether a disaster or just a small accident its best to be prepared and
that’s where I come in! With the information
below I can walk you through the process of filing a home insurance claim in as
easy as 1,2,3!
1.
Your insurance company must start investigating
with damage within 15 days or receiving the written notice
a.
They have 15 days to either accept or reject
your claim
b.
They have 5 days to pay for the claim if they
accept it
c.
If your claim is rejected your company owes you
a written explanation why
2.
Contact your agent or company immediately to find
the following:
a.
Is there damage covered in your policy?
b.
Does the claim exceed your deductible?
c.
Will you need estimates of the repairs?
d.
How long will it take to process the claim?
3.
What your Insurance Company will do?
a.
Provide you with a contact person who will
monitor your claim
b.
Send a company representative to view the damage
c.
Let you know whether the damage is covered under
your policy and an estimate of the damage
d.
If you are covered under your policy they will
pay you the necessary costs to repair or replace your damaged property
4.
Tips for a smooth process
a.
Know your insurance policy and ask questions to
your agent or company representative
b.
Have your policy number available
c.
Make a list of the damaged property, photos are
a plus!
d.
DO NOT make permanent repairs before the company
has time to inspect your damage. If you
are insure what that consists of contact your agency ASAP
e.
Keep all damaged or removed materials
f.
Keep receipts and lists of all repair expenses
for temporary fixes
g.
Keep an activity log of all your contacts,
repairs, letters and other documents
h.
Be there when the inspector inspects your home
Follow these tips when filing a home insurance claim and
lose the unnecessary hassle. Remember,
ASK QUESTIONS!
