Home Insurance Claim? 3 Tips to Make Filing A Claim Easier
These simple steps make filing a home insurance claim much easier.
It’s never fun dealing with damage to personal property, but when hail strikes, there are a few things you can do to make the process of filing a home insurance claim. Here are 3 tips for a smooth path to reparation of damage to your property.
The Sooner You File Your Home Insurance Claim the Better
Most insurance carriers will have several avenues to file a claim to your property. Typically, the avenues consist of a phone number tying directly to your insurer, online, or reporting your claim to your local agent. Whatever avenue you choose, there are several reasons it’s important to file your claim as soon as you suspect damage to your property.
- When a significant hail storm rolls through an area, insurers are quick to bulk up staff and are readily prepared to handle all claims for that particular event. Ensuring that your claim is submitted during this time will provide you with the best service available while your insurance company is prepped and ready to go.
- Damage from a storm is best assessed immediately after the event. Weathering, deterioration, and additional damage can occur if the problem isn’t fixed immediately. For instance, if your roof has been damaged by hail and isn’t fixed in due time, a leak could occur and cause further damage to your home or property. Mitigating additional damage is of the utmost importance.
From the moment you suspect damage has occurred until the repair or replacement has been completed, it’s important to keep detailed documentation. The first thing you’ll be asked to do when you submit a claim is providing an account of what occurred, as well as any additional information you may have at the time. This information can consist of photographs, weather reports, things you saw or heard, and anything else relevant to the claim. While no one is asking you to climb a ladder and get on the roof for photographs, pictures of damage in the surrounding area is always very helpful, whether it’s vehicles, an A/C unit, siding or fencing. Once you’ve filed your insurance claim, you will be provided with a claim number for reference. This number becomes the identity for your insurance claim and is the easiest way to communicate your loss when working with your insurer. If damage occurred, you will be provided with repairs and/or a replacement of the damaged property. Make sure you keep all of this information in your files in the event any future damage occurs. Doing these things ensures you have a record of all the work done.
Know Your Property and Its Value
Finally, knowing your home’s condition, as well as its value is important when working with your insurer. When it comes to hail damage, areas of interest are typically your roof, siding, windows, fencing, patio furniture, and air conditioning units. Understanding the condition of these items, the last time they were serviced or repaired, as well as the value of them is very helpful when working to settle a home insurance claim. This information will be helpful as the settlement value and options are determined. Keeping an inventory of outdoor items may help in the event that strong winds accompany a storm and some items are missing or blown away
At the end of the day, nobody likes filing a claim and dealing with damage to their home. However, if you keep these 3 things in mind when filing a home insurance claim, it should help ease the process and get you back on your feet quickly.
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