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October 31, 2017

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Under What Circumstances Should You File a Homeowners Insurance Claim?

October 31, 2017

Under What Circumstances Should You File a Homeowners Insurance Claim?

 

Whether it’s damage due to a natural disaster or an unexpected accident or break-in, knowing when you should file a home insurance claim and what the consequences will be either way, is important.  So when should you file a home insurance claim and what will that mean for your future rates?  Here are some things to consider before contacting your insurance company.

 

Assess Your Options

 

The first thing to consider when making a home insurance claim is whether your current policy will cover the claim or not.  You should know exactly what your insurance covers before you ever need to make a claim; however, checking on the specific claim you are going to make-before contacting your insurance company-will give you the upper hand.

 

Once you have determined whether you are eligible or not, the next thing to consider is whether a claim is necessary.  There may be instances when the deductible for your particular claim is higher than the costs, and in that case a claim would be a waste of time.  You may also want to consider if the overall cost is worth any potential rate increases that may result from a

claim.

 

Contacting Your Insurance Company

 

If you do decide to make a claim, arming yourself with all the necessary information will make the process go quickly and smoothly.  Be sure you have all your insurance policy documents readily available, as well as any documents that relate to the claim-repair estimates, police reports, and photographs.  It is also a good idea to keep track of all contacts with your insurance provider, in case a dispute occurs.

 

In most cases, making a claim on your home insurance is a good idea.  Keeping calm, organized, and informed will make the process stress free as well.

 

For more information, give us a call at: 661-235-5885.

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