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Five things to do if you have a home insurance claim
There are five basic steps you must take if you have a home insurance claim. Knowing what to do in the event of a claim will help to ensure that you are paid on time and paid for all of the property that was destroyed.
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- Notify
- Document
- Repair
- List
- Wait
That's it. You are prepared. We are kidding, of course, but to be realistic there isn't much more to it.
Step 1: Notify your insurance company or insurance agent of the loss
Step 2: Document the damage to your property. This property could be your home and/or your personal belongings. You can document the damage with notes, photo's, and a video. The more proof, the easier it is to handle your claim.
Step 3: Repair. This one gets people into a little bit of trouble at times. Your insurance policy contract likely states that it is your obligation to mitigate further damage by making necessary, emergency, repairs. Do what you can, but don't put yourself in danger. For example, if your roof is leaking, place a bucket under the leak before it destroys your floor.
Step 4: Start making a list of the damaged, or stolen items, as soon as possible. If you are well prepared, you might already have a home inventory (xls). If you don't you should start the process of documenting what was damaged. What was the item, when was it acquired, how much did it cost, etc.
Step 5: Wait patiently. Be patient when it comes to dealing with your claim adjustor. Be courteous and treat them like a person who is doing a tough job. Don't ever treat your adjustor as if they are there to short change you. A claim adjustor has some leeway and treating them with common courtesy will go a long way.
Be prepared in the even of a loss. If it is a major loss, such as a home fire, have a plan (planning in case of fire or disaster).