Know What to Do When it Comes Time to File a Homeowners Insurance Claim

Tips to File a Homeowners Insurance Claim

Learn what to do when filing a homeowners insurance claim.

Despite purchasing your homeowners insurance, you hope never to use it. However, sometimes disasters strike and you need to file a claim. But, before you go ahead and file, there are a few things that you should know. Check out the do’s and don’ts of filing a homeowners insurance claim.

Do notify your agent immediately.

After a disaster, it’s imperative that you notify your insurance agent as soon as possible. That way they can help you fix your home sooner than later. This is also the first step that you should take after discovering damage to your home. That way you’ll have access to the coverage that you need to get your home fixed.

Don’t relinquish benefits to your contractor.

Sometimes your contractor may ask you to sign over your benefits to them so that they can get the funds they need to repair your home. Once you sign over your benefits, you no longer have any right to them. This transfer can lead to problems down the line. Ensure that you maintain control over your claim so that you can repair your home properly.

Do take plenty of photos.

Evidence of damage is necessary when it comes to repairing your home. After a disaster, remember to take lots of pictures. That way you have proof of the damage to give to your insurance agent. However, bear in mind that you should only enter the property to take photographs if it is safe to do so.

Don’t toss your receipts.

When you’re left with a damaged home, you may need to stay elsewhere until it’s safe to return. However, it’s expensive remain in a hotel out of pocket. Don’t throw away your receipts, keep them so that you can submit them with your claim. Some policies will reimburse you for such expenses.

Know what to do when filing a homeowners insurance claim. Ensure that you’re well protected from costly damage with the right coverage. Contact the professionals at Brown & Brown Insurance to help find the best policies for your lifestyle. Located in Anaheim, California, we serve all your personal and commercial insurance.