If anyone has been injured on your property, if something has been stolen or if your property or anything within it has been damaged or vandalized, then you'll want to file a claim with your insurance company. The following are a few tips for filing a homeowners claim:
- Report crimes - Any crimes that occur that result in theft or damage to your property need to be reported to the police. Your insurer will want a copy of the police report.
- Call your insurance company - There's a time limit on filing homeowners claims, so call your insurer right away. Ask when the time limit is, if you're covered and if your claim exceeds your deductible. Also ask how long it will take for your claim to be processed and if you need to obtain estimates for any repairs.
- Make temporary repairs - Your insurance company will expect you to take steps in preventing any further damage. Make any temporary repairs considered reasonable and keep your receipts for reimbursement.
- Take photographs or videos - Be sure to take photographs or videos of any damage that occurred on your property as proof.
- Relocating - If you have to relocate because your property isn't safe, keep receipts of all additional expenses, such as hotel bills.
- Obtain claim forms - After your insurer has been notified, they will send you the required claims forms. Fill them out and send them back as soon as possible.
Use these tips for filing a claim and contact CCW Insurance for additional insurance tips.