A home is a place where we have woven the dreams. The dreams can be the crash at any time if you haven’t purchased the home insurance. The Home Insurance policy provides the safety of our home. Our house may be damaged due to the natural disaster or by any others matter the home insurance companies bear the cost of the damages and provide our properties safe. If you have the damage of the property you must have to fill the home insurance claim. Here are some of the tips for filing the home insurance claim.
1. If your property has been theft:
Theft is a common problem in the society. If you have a file a report in the police office and give it to the insurance company. Most of the company requires a police report for the claim if a theft has occurred.
2. Notify to the insurance company as soon as possible:
The best way to inform your insurance company is to call them as early as the incident occurs. The claims department and the insurance adjuster will study the case and determine how much to pay for the case depending upon the nature of the incident and the insurance policy.
3. Document everything:
If your property especially home is damaged or burglarized you must have to take photos or videotape for the proof. Don’t throw or manage the materials of the house till the claims department from the insurance company arrives. Note the time, the missing or destroyed materials due to the incident. This will help you to make the claim process faster. Provide all the details and the cost of the materials. So, that the adjuster also knows the real value and help to determine the process quickly.
4. Collect all the receipts of the meantime:
If the house is good enough to live then with some temporary repairs you can stay there. Don’t forget to keep all the receipts of that time so you can claim the reimbursement from the insurance company. If the house isn’t suitable to stay then keep the record of the expenses of lodging and food and submit to the insurance company for the claim of reimbursement.
5. Hire a public adjuster:
Sometimes the adjuster from the insurance company doesn’t provide the proper value of the property. Sometimes they refuse to provide you the claim amount. In this case, you must hire a public adjuster in order to get the proper rights.