When filing your house insurance claim, you can accomplish it easily without problems if you complete the required documents listed in your policy’s claim instructions and you submit them as soon as you can.
After submitting your documents, you may be asked to fill some forms and given an acknowledgement receipt and further instructions if needed. The house insurance firm will send an adjuster to examine your damage or loss and then you are instructed to just wait for your check.
State insurance departments have regulations for the settlement of claims, including the time home insurance firms are required to complete claims. Call your insurance regulators and ask for the period of time insurers need to settle claims, so you will know if your insurer is complying with state insurance laws.
Be cautious when considering hiring a lawyer. This should be a last resort. If you hire a lawyer to represent you, your homeowners insurance company, your insurance agent and adjuster can only talk with the lawyer. The best initial option is to first consult with your state insurance regulators.
After receiving your house insurance policy, review the provisions, the assets covered, the amounts of coverage and your deductibles. If you have doubts about some provisions, call your house insurance agent so when something happens, you already know what to expect and you would know how to adjust.
After your house is damaged or lost due to a disaster, call your house insurance company as soon as you can. If there are thousands making claims at the same time, it is always good to be among the first in line. If your agent can assess your situation ahead of time, you may get some extra help.
As you are waiting for any action from your home insurance firm, make needed but temporary repairs. You should only do repairs that will prevent further damage to your house or that will protect you and your family from possible injury. Record your repair expenses and keep receipts of materials and labor. Make sure your house insurance policy covers temporary repairs.
Ask a repair contractor to estimate your repair costs. The house insurance adjuster may approve your claim if you can prove your repair estimates with computations from a reputable repair contractor.