Home Owner Insurance Claims
In the event that your home or possessions are destroyed by natural disaster, fire or water damage, if items have been stolen, or someone is injured on your property (among the multitude of claim reasons), you will need to begin the claim process with your home insurance company.
Your homeowners insurance policy is a contract between you and the insurance company, and there are certain procedures that must be followed to correctly submit and process a claim.
If any of the covered incidences in your home insurance policy occur, you will need to contact your insurance company immediately to begin the claims process. In most cases, there is a time limit you must adhere to when filing claims, so be sure and ask questions about coverage and timing to ensure that you are reimbursed appropriately. Depending on the circumstance, you should find out how long it will take the claim to be processed and if you need to obtain estimates for your claim. If you do make any repairs to damaged property, save receipts to submit to the insurance company for reimbursement.
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If you have kept an inventory of your personal possessions, it will be relatively easy for you to provide this information to the insurance company. If you do not have such a record of your belongings, you will need to compile a list and estimate each item’s value. Damaged items can be photographed or videotaped to provide additional supporting information.
If your home is uninhabitable and you need to relocate temporarily, keep records of any additional expenses since most home insurance policies provide for these expenses.
Finally, fill out all claim paperwork properly and submit it to the insurance company within their time limitations. In most instances, an adjuster will be sent by the insurance company to inspect your home and verify your claim information. Claims are typically processed quickly, so if you have followed the appropriate steps, you will receive your reimbursement in a timely manner.
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Home Insurance Basics is not an insurer and cannot issue home insurance policies. This site provides free information about home insurance policies and companies. The companies detailed have not endorsed or sponsored these pages. Products and services may not be available in all states.
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