1. Assess Damage and Contact a Claims Professional
After a tragedy or peril to your home, the first thing you need to do assess the damage to your property. You will need to determine what has been affected by the peril so that your insurance provider can help determine the costs to mitigate the situation. Any type of damage to your home is stressful, and you may not be in the best emotional state to properly assess the damage, so pending the severity of the damage, you may want to look into calling a claims professional to help make sure you are asses any damages that have happened to your home, even if they’re not damages you can see. This will help you keep proper reporting and documentation to process your claim.
2. Collect info you need to include in your claim
Once you have assessed the damage, you’ll want to get with your insurance company to file the claim, but you’ll need your information to get started with the claim. Document and photograph all of the damage and be ready to provide them to properly process your claim. This will also help you track any damage you have to your home.
3. Call Your Insurance Company or Agent
The next step is to process the claim by calling your insurance provider to report the details of the incident and begin claiming any damages that were done to your home. A representative will walk through the steps with you to make sure everything is reported accurately and will advise you on what you need to do next and any documentation you will need to send in.
In the case that your home is not a place where you can live given the damages, they’ll help you make arrangements for another place to temporarily live, and the representative will be able to pull up your policy to let you know what is covered and help you save money in the long run.
4. Claim specialist will reach out to you to process your claim
Once the claim has been opened through insurance, you will be assigned a claims professional from the insurance agency, who will be there to help answer any questions you may have during the process. They will help assess the damage and provide any next steps. Similar to an adjuster for a car, they’ll go to the site and make sure all of the claims you provided are accurate.
5. Get home fixed and claim payment
Once the claims professional has visited your home to confirm and assess the damage, they will provide you with an estimate of the cost to repair your home and what your deductible is – if any – and how the claim will process. It’s then time to fix your home and begin scheduling appointments based on the estimate provided from insurance to make sure it’s sufficient to repair your home.
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