How To File Home Insurance Claims

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Many people pay premiums on their insurance for years without ever filing a claim. When the situation one day suddenly arises that they have to file a claim, they are not sure which procedure to follow. Below we will set out the steps you need to follow when you submit home insurance claims.

Your very first step should be to let the insurance company know of what occurred and to inform them that you wish to submit a claim. It’s possible to simply phone the agent, but in the interest of having proof of what has been said it’s better to fax or email them. Furnish them with every bit of information you regard as important under the circumstances and fill out the necessary forms.

In this regard it’s always wise to store the contact details of your insurance agent on your cell phone, or to keep his card in your wallet or in your car. If something serious goes wrong and your house is not accessible, you might not even be able to contact the agent.

Your next step is to assess the damage to your property and document it as far as possible. A video camera or even an ordinary digital camera can come in very handy in this respect. Compile a list of items for which you need to submit a claim, such as computers etc.

After this you can proceed to make emergency repairs wherever they may be needed to prevent subsequent damage. Remember that no insurance company will pay for damage that happens after the fact if you were in a position to prevent it. If a couple of windows are broken, for example, cover them with tarpaulins to prevent the elements from causing additional damage.

Once you have filed the claim and provided all the relevant information to the insurance company, all you can do is wait. Keep in mind that on any particular day numerous home insurance claims are filed. Yours has to go through a process and claims that were submitted first must be dealt with first. If you are very unhappy with the service you receive from the insurance company, you are free to submit your complaint to the insurance commissioner for your state.

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