If you’ve never filed a home insurance claim before, then you might dread the claims process. Fortunately, there are some things that you can do to avoid major snags or setbacks with your claim. Here are some of the suggestions that you should try.
Most homeowners insurance policies include a clause that requires you to report claims “promptly.” Generally, this means reporting a claim within 24-hours. Please keep in mind that, before you can file a claim related to a break-in or theft, you need to contact the police and file a report. This is because these types of claims require you to provide information on the officer you spoke to as well as your case number.
To ensure that you are receiving adequate compensation, you will need to provide a list of all the personal possessions that were stolen or damaged during a claim event. While this isn’t a big deal if only one or two items were affected, this can be a daunting task is your home was completely destroyed. This is why it’s important to create and update your home inventory. A home inventory is a comprehensive list of all the things that you own, how much they cost, where you go them, and so on. Having this document ready will help you in the event that you need to file an extensive personal property insurance claim. Work on this document now to ensure that you are ready if disaster strikes.
Filing a claim, no matter how small, takes time and effort from both you and your insurer. The best way to ensure that your claim is handled quickly and efficiently is by staying in contact with your insurer and making yourself available to your claims adjuster. By making yourself available, you can take care of thing quickly on your end, which will help push the claim through.
These are some of the things that you can do to help with the home insurance claims process. Do you have additional questions regarding your home coverage? If so, then contact the experts at Phocus Insurance in Phoenix, Arizona. We are ready to assist you with all your homeowners insurance needs today.
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