It gets really difficult to think straight when you’re facing some crisis, especially when it comes to your home. Your home is your haven and any damages to it should disturb you. Unfortunately, this is when you are also the most distracted as you deal with the emotional process of how you’re going to get home back in the shape you put so many years into making. And you definitely don’t want to put yourself in a situation where you rush into going through the process and fail to get a claim. So we’re here to give you a step-by-step guide on the process of home insurance claims.
Inform Your Insurance Provider
The first and most important step as soon as you run into such issues is to make sure your insurance provider is aware of it. Delaying this process to look for a solution yourself will lead to complications further down the line when your case is being investigated. You don’t need to have all the precise details to make this call, it’s just about letting them know that you have a problem that may require a claim.
Re-educate Yourself With Your Insurance Policy
Even if you have done it before, this is a great time to freshen up your knowledge about your options. What’s different now is you have a particular situation and you consider all your premiums based on the situation. That helps you understand exactly how your policy can help you get out of it. At the same time, you also need to be familiar with the particulars of the claim process. Generally, all processes are the same, but if certain situations require a special set of documents or procedures then your Insurance Policy is the best place to find it. And remember, when in doubt, you can always contact your insurance provider or get in touch with one of our agents to gain clarity.
Coordinate With The Adjuster
Once you’ve given them a call, the insurance company will assign you an insurance adjuster at the earliest. Adjusters are the best source of information as they know more about your policy than you at times. Don’t take them as enemies like most people do. Instead, invite them, question them, and clarify all your doubts. It’s best advised not to change the area of effect, whether it’s a room or any part of your house; before the adjuster has examined it. If it’s important to move certain things to avoid any further damages then you may do so, but not before you take multiple pictures from different angles of the area. That way you keep your things safe but also have evidence to provide reasoning.
Make Personal Adjustments
If the damages create an unsafe or difficult living environment then you should try to gather as many belongings as you need and try to make alternate living arrangements. But make sure you have a valid reason to do so if you want your additional living costs to also be considered for claims.
Make A List Of Damaged Items
Prepare a list of all the belongings that were damaged or destroyed due to the incident. If it’s possible, you can also provide purchase receipts or any pictures that help your cause. Of course, the adjusters will also take into account all that they examine but they can’t possibly know the finer valuable items that you may have lost under the rubble. So it’s up to you to provide that information.
Get An Estimate
Once they assess the damages, your insurance provider will provide you an estimate of the total cost of repairs and replacements. This will all be based on their investigation and all the information you provided them. Your adjuster will also likely get in touch with a contractor and add the cost of labor into the estimate. Once everything is cleared and you understand all the criteria of claims, you will get a formal estimate statement outlining the amount you will receive for the repairs and replacements.
Once all this is set and done, the contractor will begin working on the damages and try to bring your property back in shape. Based on the report they received from the insurance provider, they will rebuild, repair, or replace everything as you look forward to going back to your normal life.
If you still have some doubts regarding any of the steps, you can contact the insurance company or get in touch with any of our insurance agents on 855-5EXCEED for clarification. We’re always here to help you!