Homeowners file insurance claims when they need to be reimbursed for damage or property loss due to peril that is covered by your homeowner’s policy, such as a storm or burglary. For many homeowners, filing these claims may be a confusing process.
While each claim is different, there are some tips that can help make the process a little easier.
Tip 1: File a police report
Documentation is an important part of the claim process — and it starts with a police report. If your home was burglarized or vandalized, you will first need to call the police to report the incident. Whether you are working with Demont Insurance or any other company, you will need to provide this report to verify the details of the crime.
Tip 2: Document everything
Even if you don’t need a police report for your claim, documentation will be an important part of the process. If your home has been damaged, for example, you will want to videotape or photograph the aftermath. And if there are incidentals you need to be reimbursed for — such as hotel stays because your home is uninhabitable — be sure to keep those receipts to provide to your adjuster.
Tip 3: Contact your insurance company to file your home insurance claim
To get the claims process going, contact your insurance company to report the incident. Your adjuster will be able to confirm if the incident is covered by your policy details about the claims process, including how long it will take and whether or not you need to obtain a repair estimate for the damage.
Tip 4: Proceed with Temporary Repairs During the Claim Process
When you have an active claim going on, you can still make repairs to home damage, especially if the damage is making your home inhabitable or, if left untouched, the damage will cause more problems. Be sure to keep your receipts from any repairs that are made.
Not every home insurance claim is the same, but by having an understanding of the steps involved, you will be better prepared to deal with problems should they occur.