Steps Needed To File Home Insurance Claims
Many people pay premiums on their insurance for years without ever filing a claim. When the situation one day suddenly arises that they have to file a claim, they are not sure which procedure to follow. Below we will set out the steps you need to follow when you submit home insurance claims.
The very first thing that you should do is to inform the insurance company of what happened and to tell them that you want to submit a claim. You can phone the agent, but to keep a record of what happens it is actually better to email or fax him. Provide all the relevant information and fill out any forms they might require you to fill out.
In this regard it’s always wise to store the contact details of your insurance agent on your cell phone, or to keep his card in your wallet or in your car. If something serious goes wrong and your house is not accessible, you might not even be able to contact the agent.
Your next step is to assess the damage to your property and document it as far as possible. A video camera or even an ordinary digital camera can come in very handy in this respect. Compile a list of items for which you need to submit a claim, such as computers etc.
After this you can proceed to make emergency repairs wherever they may be needed to prevent subsequent damage. Remember that no insurance company will pay for damage that happens after the fact if you were in a position to prevent it. If a couple of windows are broken, for example, cover them with tarpaulins to prevent the elements from causing additional damage.
Once the claim has been filed there is very little you can do but wait. You should always remember that on any specific day they receive numerous home insurance claims. These claims are dealt with on a first come first served basis. Don’t get too impatient. If you really get very bad service from the insurance company though, you have the right to file a complaint with the office of your state insurance commissioner. He will look at all the facts before taking action.
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September 6, 2010 | Posted by Areelitaha Joahlanski
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