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4 Tips for Preparing for Home Insurance Claims Ahead of Time
December 17, 2021
Agency

4 Tips for Preparing for Home Insurance Claims Ahead of Time

While home insurance gives you peace of mind in case of an emergency, filing a claim requires quite a lot of specific information. Organizing your information and preparing for the process ahead of time simplifies the claim process and reduces stress after a natural disaster or break-in. Prepare yourself for the claims process by finding the right professionals and making records of your home’s condition and contents. 

Understand Your Coverage outside of a home
Start by going over your home insurance policy so you understand exactly what’s covered and what’s excluded. Filing a claim for damage that isn’t covered can still raise your premiums, so you’ll want to only file claims that your insurer is likely to approve. 

Develop a Home Inventory 
Create a home inventory in order to ensure the insurance company pays for every belonging that is destroyed by a fire or goes missing due to theft. Photos, receipts, and other information about the value and purchase date of your belongings is easy to organize with a home inventory app. Don’t forget to include some photos of your home’s condition and layout so you can easily establish the impact of a fire or natural disaster damage. 

Check for Public Adjuster Services 
Your insurance company might offer free visits from the adjusters they employ. However, you can also hire a public adjuster to evaluate your home for a fee. A public adjuster usually handles all the work of filing a claim and pursuing its fulfillment, which is often worth the extra cost when you’re dealing with major damage or a total loss of your home.  

Find a public adjuster that is recommended by your insurance company or lawyer before anything happens since the adjusters who reach out to contact you after a natural disaster may not offer the same quality of services. 

Build a Relationship with a Reliable Contractor 
Trying to find a trustworthy contractor when you’re already dealing with the work of filing an insurance claim can feel overwhelming. Find a local contractor before anything happens and hire them to handle smaller maintenance and repair tasks first. Once you’ve built a good rapport with a company, you’ll immediately know who to call for a fair estimate and fast response when your home insurance provider approves your claim. 

With these preparations in place, filing an insurance claim takes a lot less work. Don’t wait until there’s an emergency to think about your home insurance policy. 

Tags: Homeowners Insurance

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