5 Tips for Filing a Homeowner's Insurance Claim

Filing a claim for property damage can be a long and complicated process. The following guide will help you understand the process better.

Filing a claim against your homeowner’s insurance policy

After a theft, flood, fire, or other significant incident in your home, calling your insurance company may not be your first priority. But it is essential to contact your insurer as soon as possible to get the claims process underway and ensure your safety. The following steps are vital to the claims filing process.

File a police report when required

Although not all homeowner’s insurance claims require a police report, if a crime like vandalism or theft has occurred, you should make the first call to the police department to file a police report. This is also the case any time someone is injured on your property to ensure proper documentation. Always remember to take note of the name and contact info for the officer or any other personnel you come in contact with during this process.

Contact your insurer

The next call you make should be to your insurance agent or insurance company. Most policies require that the insured report any injury, theft, or damage that may result in a claim promptly. While this does not mean you have to report it immediately, the sooner you do, the sooner you can begin the process of recovery. Requirements for reporting can vary by circumstance and insurance company, but your insurance policy and any documentation supporting it can tell you everything you need to know. Some companies even have online claims filing for customer convenience.

Complete urgent repairs

It is vital to complete any repairs necessary to prevent further property damage without risking your health and wellbeing. Most insurance companies require this to be taken care of, while most others support such actions. It is critical to document the extent of damages before making any repairs and keep your receipts for reimbursement.

Claim documentation

Document every stolen or damaged item and anything else that involves the basis of your damage claim. Take plenty of video and photos detailing the damage by moving from room to room when necessary. This is particularly important if you perform emergency repairs to ensure that the property is habitable and safe. Be sure to make a list of stolen, damaged, or destroyed items, along with an estimated value for each. This will proceed much more quickly if you have kept an inventory of your property in the past. Your insurer will send an adjuster to assess any damages and interview you to determine the number of damages they are liable to pay to you. Always stay close to the inspector during their visit so you can show them areas of concern and structural damages, as you are much more familiar with your property than they are.

This is a simple overview of the insurance claims filing process. However, if you need the assistance of a public claims adjuster in Central Florida, do not hesitate to contact us right away. We are here to help!