Home Insurance: A Guide To Filing A Homeowner’s Insurance Claim

Homeowner’s insurance protects you from dealing with unexpected financial problems from different causes. However, to be paid by the insurance company, you must first make an insurance claim. Also, your claim must be valid under the company’s guidelines, or else you will not receive coverage benefits. 

There are different types of insurance claims that can be made, such as liability claims, personal property loss, etc. Depending on which claim you want to make, you will undergo a different claim filing process.
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The list below includes the general steps you want to take when pursuing a homeowner’s insurance claim.

Reach out to your insurance company
Contacting your insurance company should be one of your priorities when you encounter problems in your home. Your insurance company can enlighten you on the situation and will inform you if the incident is covered. They can then give you a rundown of what you should and should not do regarding the filing process. 

Moreover, they can also give you the estimated amount of loss and if it exceeds your deductible. Additional information such as how long will the filing process be can also be provided to you.

Document the loss or damage
To receive a reimbursement check for the damages, you’ll have to prove that your claim is valid. To do this, you must provide the appropriate documentation of the incident, such as the lost or damaged property. Besides essential evidence such as pictures or videos, having a home inventory of your properties can improve your reimbursement chances.

Fill out the necessary claim documents.
After your initial contact with your insurance company, they will send you the forms you have to fill out. One example is the proof-of-loss form, wherein you give information like the cause of loss and estimate the amount of loss. 

Prepare for the insurance adjuster’s visit.
Large insurance claims tend to cause the insurance company to send an insurance adjuster to assess the situation. The adjuster will decide if you are qualified to be reimbursed for the losses/damages. Ensure the adjuster with the proper documentation that you’ve previously done and guide them through the details of the incident. 

Conclusion
With all the uncertainties surrounding people’s homes, it is always best to be prepared. Make sure that you have the appropriate financial protection when unexpected situations occur. Having comprehensive homeowner’s insurance could be your best help in these troublesome events.  

At Kapasu Insurance Services Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote.