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What to Do When Filing a Homeowners Insurance Claim

Learn how to file your homeowners insurance claim correctly.

When you come home from vacation to discover that your home has been robbed, or find that a fire has destroyed your house, having homeowners insurance is a good thing. Despite the traumatic incident, your insurance helps to lessen the stress of such situations. However, it’s imperative to know where to start when it’s time to pick up the pieces. When it comes to your filing a home insurance claim, see what you need to know.

Contact the Necessary Parties.

After a disaster, it’s important to communicate with the appropriate parties. If the damage is a result of a crime, your first order of business should be to notify the police. Once you’ve filed a report with the police, your next order of business should be to notify your insurance agent. The sooner you inform your agent, the sooner you’ll be able to get your claim resolved.

Keep a List of All Your Damaged Property.

After a disaster, it’s vital to evaluate the damage. Take as many pictures as possible from a variety of angles to record the damage. Additionally, it’s a good idea to retrieve your home inventory. That way you’re better able to compare your damaged property to your list.

Save Your Receipts.

If your home is rendered temporarily uninhabitable, you may need to stay in a hotel and dine out. However, such expenses can get pricey. Fortunately, some policies will give you temporary living coverage. Keep all your receipts so that you can submit them with your claim.

When it comes to filing your home insurance claim, ensure that you have the coverage that you need. Invest in the right homeowners insurance policy. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

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