In the event you need to file a Homeowners Insurance claim, we want to make sure you know what to do.
Homeowners Insurance offers financial protection from losses caused by things like fire, theft, and storm damage to your home. It can also protect you and your family members from potential liabilities arising from bodily harm or property damage to other people’s property. It’s important to know what is and what isn’t covered by your homeowners policy and review your insurance coverage with your insurance agent annually. At Cochrane & Porter, we’re here to help. If you have questions or concerns about your homeowners insurance, don’t hesitate to contact us.
The Insurance Information Institute has recently produced a very helpful video, and we encourage you to watch. It’s a great reminder of how the process works.
As the video covers, filing a claim is a multi-step process. Here’s a quick recap:
- Contact your insurer as soon as possible and let them know what happened. The insurance company that underwrites your coverage takes the lead on the claims process. As your insurance agent, we can help you through the process, but your insurer needs the information about what happened directly from you.
- Have your policy number ready. One great way to always have this info handy is to download your insurance company’s mobile app and create an account. Some companies’ mobile apps even allow you to file a claim through a simple, user-friendly process.
- Complete the paperwork you receive from your insurer and return it. In some cases, an insurance adjustor will need to visit your property to inspect the damage. If your home has been burglarized, you’ll also need to file a police report.
- Write down the information of the insurance company representatives you speak with during the process, including names, contact information, job titles and the date and times of your conversations.
- Document, document, document. If you’re safely able, take pictures for visual evidence of destruction and perform temporary repairs to prevent further property damage. Use your home inventory to help.
- Keep detailed records of expenses for temporary repairs and living arrangements.