Suggestions for Filing Your Home Insurance Claim

Make your claim process proceed more claim forms covered in coins

For many homeowners, experiencing property damage is a nightmare situation.  When you think about the insurance claims process, the situation seems even worse.  Fortunately, there are some steps that you can take to ensure that your claim proceeds smoothly and efficiently.  Here’s what you can do to improve the homeowners insurance claims process.

  • Report the Claim Promptly

Most homeowners insurance policies include a clause that requires you to report claims “promptly.”  Generally, this means reporting a claim within 24-hours.  Please keep in mind that for claims related to a break-in or theft, you need to contact the police and file a report before attempting to make a home insurance claim.  When you file these types of claims, you will need to provide information on the officer you spoke to as well as your case number.

  • Take Pictures of the Damage

Before you contact your insurer, you need to take pictures of the damage.  This is a great way to document the damage and can help your claims adjuster determine just how extensive repairs or remediation efforts will be.  Having pictures ready will help your claim proceed much more easily.

  • Provide a List of Stolen or Damaged Property

To ensure that you are receiving adequate compensation, you will need to provide a list of all the personal possessions that were stolen or damaged during a claim event.  While this isn’t a big deal if only one or two items were affected, this can be a daunting task is your home was completely destroyed.  This is why it’s important to create and update your home inventory.  A home inventory is a comprehensive list of all the things that you own, how much they cost, where you go them, and so on.  Having this document ready will help you in the event that you need to file an extensive personal property insurance claim.  Work on this document now to ensure that you are ready if disaster strikes.

Taking these steps will help you simplify the homeowners insurance claim process.  Do you have additional questions regarding your home coverage?  If so, then contact the experts at Miller Carlisle Insurance Services for assistance today.