While you have the right homeowners insurance in place, you may be reluctant to use your coverage for every little issue that comes your way. However, there are certain serious issues that you should definitely use your coverage to address. Here are some of the reasons why you should file a homeowners insurance claim.
Major Property Damage
If your home experiences a major emergency, such as a tree falling through your roof or a pipe bursting and causing major water damage, then you need to contact your agent. The sooner you call, the sooner you can begin the claims process and receive the coverage that you need to address your losses.
Injury on Your Property
While you don’t need to call your insurance provider for every stubbed toe and paper cut that takes place in your home, you should get in touch with your agent if a guest sustains a more serious injury. This is because your homeowners insurance offers coverage for medical expenses. By calling your insurer, you can access this coverage, ensure that your guest gets the immediate medical attention that they need, and make your claims process proceed more smoothly.
Robbery or Vandalism
If your home has been broken into or vandalized, then the first call that you should make is to the police. After you’ve reported the incident and the police are on the way, you should call your home insurer. The property portion of your coverage will help you address any damages to your home, and your personal property coverage will help you replace the belongings that were stolen during the incident.
If you experience these situations, then it’s important to contact your home insurer as soon as possible. Do you need help securing or managing your home insurance? If so, then contact the experts at Phocus Insurance in Phoenix, Arizona. Our dedicated team is eager to assist you with all your coverage needs today.
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