4 Tips for Filing Property Insurance Claims
In 2019, approximately 5% of insured US homeowners made a claim on their property.
While each insurance claim is unique, there are certain key commonalities to remember. Chiefly, you, as the policyholder, get the compensation you deserve.
If you’re thinking about making a claim on your property insurance, it pays to do some research beforehand. Fortunately, we’ve put together this guide to explain the process.
Read on for 4 top tips for filling property insurance claims.
1. Document Your Claim
In order to lodge a successful claim, you’ll need a robust paper trail to prove your case. Be proactive in your note-taking. Keep a record of any damage or losses and any correspondence with your insurance company.
If you haven’t already, take some photos of your property before damage occurs. This will give you a reference point when showing proof of damages.
Make sure you document all evidence of your claim before you start to clean up. The only exceptions are plumbing or electrical problems, which should be addressed immediately.
2. Keep All Parties Informed
When pursuing property damage insurance claims, you need to inform your insurance company as early as possible.
If you have been the victim of theft, you’ll also need to involve the police and get a crime reference number. This will help expedite your property insurance claim.
Failing to report damage promptly may result in your claim being denied. When you contact your insurer, ask whether the damage will be covered, what your deductible is, and what you need to do next.
3. Be Clear and Honest
When dealing with your insurance company, you need to make sure your claim is clear, honest, and accurate.
Your goal is to reclaim what is rightly yours in terms of property and assets. Be direct and firm. After all, you’ll be up against a for-profit insurer with a dedicated legal team.
Your insurance company will send an insurance adjuster to assess your claim. Be ready to show the adjuster any damage and have a full inventory of damaged and missing items to hand.
4. Reach Out For Help
Dealing with insurance claims isn’t something that most individuals do on a daily basis. Get the support you need by speaking to an experienced property insurance lawyer.
Their intimate understanding of insurance law will help you get the settlement you deserve.
You need an expert well-versed in property insurance law and procedure. Check out insuranceclaimhq.com for representation you can trust.
Property Insurance Claims Made Simple
If your house gets damaged or burgled, you’ll want to resolve your property insurance claims and get the settlement you deserve as quickly as possible. By keeping your case documented, and presenting an accurate claim in a timely manner, you’ll be able to repair your property and move on with your life.
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