Property insurance is in place to help homeowners deal with losses that are covered under the terms of the home insurance policy. While the hope is that the owner never needs to file a claim, it pays to know how to manage the task efficiently. Doing so will help minimize the potential for delays and possible rejections. Here are some tips that will help with the process.
Contact the Provider Immediately
Whether the damage is minor or major, it pays to contact the provider without any delay. The goal is to verify that the type of event that just occurred is indeed covered under the terms of the policy. Depending on the severity of the issue, an insurance agent may be able to respond and get the actual claim going at once. Even when it will take some time to collect all the data needed, the notification alerts the provider to expect a claim to arrive shortly.
Inventory the Damage
With any type of Home Insurance Claims, there must be a detailed accounting of what was damaged. The best approach is to take pictures of the damage along with compiling a list of items that must be replaced. Using video is also an acceptable way to document the extent of the damage. Remember that any type of data that helps to confirm the value of items that must be replaced will also help with the process of filing the claim.
Be Present for the Inspection
As part of the procedure for assessing Home Insurance Claims, many providers will arrange for adjusters to assess the scope of the damage. Homeowners should make it a point to be present while the inspection takes place. Doing so makes it much easier to answer any questions that the adjuster poses and also allows the homeowner to point out specific details. The homeowner would do well to keep a pad and pencil handy to jot down notes as the two parties evaluate the damage, since this makes it easier to keep up with any remarks that are made during those conversations.
For homeowners who are thinking of investing in a new home insurance policy, contact the team at Perdue Insurance Group today. With the help of an agent, it will be possible to come up with a plan that offers plenty of protection and ensures the client always has access to help when it is needed.
