Most people buy homeowners insurance and then go years without filing a claim. When the need arises, they may not know where to start. Here’s good advice from the Insurance Information Institute:
Call your insurance agent. He or she should guide you through the process.
Make temporary repairs to prevent further damage. Save the receipts; you will be reimbursed.
Make a list of the things lost and damaged and take photos if possible.
If you need to move out of the house until repairs are made, save lodging and restaurant receipts. They, too, may be reimbursed. Your insurance company will do the rest. They will provide you with a claims form and will send an insurance adjustor to inspect the damage and prepare an estimate for repairs.
There is one exception to this sequence:
If the damage is the result of vandalism or burglary, call the police. You will need a police report for the claims process.
No comments:
Post a Comment