Filing a home insurance claim need not be a complicated process. The following steps can help simplify the claims process and give you positive results.
Contact Your Insurer: The first step to filing a claim is to contact your insurer and notify him of your loss. If you have questions concerning coverage of your Sandpoint, ID home, now would be a good time to ask. Reviewing your policy with a representative from The Insurance Shop USA will refresh your memory concerning your coverage. Make sure you provide your agent with accurate contact info as well as details concerning your loss so a proper evaluation can be made.
Notify Police: If your loss was the result of a crime such as vandalism, theft, etc., be sure to notify your local police so a police report can be made to verify damages to your home or loss of property.
Take Photos of Damage: Take photos of property damage to verify your loss. If you have a home inventory, make sure your agent receives a copy along with receipts or photos of items that were damaged or stolen. If you need to make urgent repairs to avoid further property damage, keep accurate records of what you spend so you can be reimbursed by your insurer later on.
Work with your Insurance Adjuster: You will be visited by an insurance adjuster who will evaluate your claim and determine property damage and loss. At this time, you can discuss options for making repairs or replacing lost items. Working closely with your adjuster is key to moving your claim along.
Follow Up – Once a claim has been filed, follow up with your adjuster and contractor to ensure repairs are done right.
At the Insurance Shop USA, Sandpoint, ID, we make every effort to ensure claims are settled to customer satisfaction.