What Can I Expect While Filing a Home Insurance Claim?

As a homeowner, it is best to purchase an appropriate homeowner insurance policy. This will give you the guarantee of being covered in case of losses or damage related to your home. Still, it is important that you know when to file a claim in the event of a loss or damage.

The Types of Events That Can Require Filing a Claim

Before you can file a claim for a certain loss or damage related to your home, make sure to contact your insurance agent or insurer to know which events are covered by your policy. If a certain hazard is not included in your coverage, then you won’t be able to file a claim for it.

Some of the most common losses or damages homeowners insurance covers include:

  • theft and vandalism
  • fire
  • hail and wind
  • explosion
  • falling objects (asteroids, meteors, space debris, falling satellites, etc.)
  • flooding
  • hurricane
  • mold infestations

However, some of these damages (e.g. hail and wind, flooding, hurricane, and mold) are not covered under the standard home insurance policy and might need additional coverage depending on the extent of risk you are exposed to while living in a specific location.

Filing a Claim for Homeowners Insurance

Most people don’t know this, but it is better to file a claim for loss or damage as soon as the damage occurs. This is because the sooner you file the claim, the earlier the issue can be resolved.

Step 1- Speak to Your Insurer

Contact your insurer and ask them questions related to the claim you plan to file. You should understand your policy coverage, limits, and deductible costs before filing a claim.

Step 2- Submit the Claims Form

Once you are sure that you wish to file a claim, the next step is to fill out the claims form. This is just for the insurance company to know specific details related to your claim. You’re required to fill out questions like your personal information, policy number, location of the loss, date of the incident, the cause for loss, and estimated loss amount. You can also add a picture or video clip of the loss for additional evidence. Once the information is confirmed, emergency alleviation will be provided to you.

Step 3- Schedule an Appointment with the Claims Adjuster

The submission of your claim is usually followed by your insurance company sending over a claims adjuster to inspect and assess the situation of your damage before filing an official report for the approval of your claim. Schedule an appointment with your insurance company’s insurance adjuster, or hire your own, and finally, the claim pay-out checks will be provided to complete your repairs.

While filing a claim, it’s a good idea to manage your home to prevent further damages. For assistance with all your home insurance needs, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We are here to assist you with all your coverage needs.