| Filing for a homeowner's insurance claim can be easy | | | | home and make two copies so if you have to give |
| as long as you follow the correct procedures. A | | | | copies to the investigating authorities you always |
| homeowner's insurance provides security and safety | | | | have a copy of your own. Avoid damage to your |
| for your home, expensive gadgets and other items | | | | home by completing temporary repairs and keeping |
| and recovering from injuries sustained by anyone on | | | | receipts to be reimbursed by the insurance company. |
| your home. | | | | INJURIES: |
| Reviewing your insurance policy periodically and | | | | Make sure of proper treatment if there are injuries |
| keeping updated with your duties and responsibilities | | | | to a person or persons. Injuries could be caused by |
| for your plan can greatly help when filing a claim. | | | | sudden falling on your home or by using tools |
| Insurance companies provide different kinds of | | | | incorrectly. Keep copies of prescription and receipts |
| coverage and the premium varies from state to | | | | for reimbursement from your insurance company. |
| state. Remember that before filing for a claim, you | | | | NATURAL DISASTERS: |
| have to identify the type of claim you wish to make. | | | | Inform your insurance company and the local |
| Here is how you can file for a homeowner's insurance | | | | government where you live right away in case if |
| claim: | | | | your home is affected by natural disasters like |
| THEFT OR DAMAGE TO YOUR PROPERTY: | | | | earthquake or hurricane. Ask for their help in getting |
| Immediately inform the police if you are making this | | | | relief right away. Make sure to cooperate with the |
| kind of claim. File a complaint even though expensive | | | | authorities and complete the important formalities |
| items are not stolen. Make sure to keep two copies | | | | they requested. Typically, during anticipated or |
| of your complaint for the insurance company and for | | | | unforeseen natural disaster, the government might |
| your own. Provide a list of the stolen items, damaged | | | | have devised an emergency or new policy. It is best |
| part of your home, and submit to the police | | | | to cooperate with the authorities so your relief |
| department. Contact your insurance company | | | | efforts can be provided right away. |
| regarding the damage or theft and give a copy of | | | | Fill up the necessary claim forms carefully and |
| the police complaint and the list of items stolen or | | | | promptly with the help of the agent to avoid delay. |
| the damage to your home. List down the names of | | | | Your insurance company is required to send proper |
| people you talked to in the police department and | | | | claim forms as soon as they are informed of your |
| the insurance company. | | | | claim. Once the claim has been filed, all you have to |
| Inquire from the insurance company if added | | | | do is wait for the insurance company to agree on |
| formalities are required for the claim. If the loss or | | | | your settlement conditions. Nevertheless, there is as |
| damage is large, the company will send an adjuster | | | | light at each end of the tunnel, in most situations, the |
| to inspect your home. If it is minimal, the agent could | | | | insurance claims are processed quickly and laws of |
| complete the formalities without doing an inspection. | | | | state instruct the payment to be delivered on time. |
| Take photos or video of the damaged side of your | | | | |