How to File a Homeowners Insurance Claim
If you are a homeowner that has experienced damage to your home from a fire or weather relation disaster it is highly recommended that you contact your insurance carrier as soon as you possible can to file a homeowners insurance claim.
- Examine your home for any damage that may have occurred after a storm.
- Make a note of everything that was visibly damaged on both the outside and inside of your home. It is also highly recommended that you collect any receipts you have for any of the damaged items. This will give the insurance claim adjuster an idea of how much the items were worth. This should be done immediately after the incident happens.
- Contact your insurance provider and let them know you need to file a homeowner's claim. You will need to provide them with the details of your claim such as the date of the loss and a list of the things that were damaged. The insurance company will send an adjuster out to your home to look at the damage. Do not make any permanent repairs until the adjustor gets a chance to look at the damage.
- Get a copy of the paperwork from the adjustor before he or she leaves your home.
- Refrain from agreeing to a settlement offer from the insurance company if you are not satisfied with the amount they are offering for the repairs.
- Contact some reputable contractors and get bids for the repairs.
- Submit the bids to your insurance company.
- Wait for the insurance company to accept one of the bids before making repairs.