What Is The Home Insurance Claim Process?

Coping with damage to your home or personal items can be disruptive. During this stressful time the insurance company tries to make the claims process as efficient as possible. So you can get back to normal as soon as possible.

Q How do I know if my home claim is covered by my insurance policy?
A Your personal claims representative will review your policy with you and help you understand the coverage available for damages to your home and personal items. They will help you choose an emergency service vendor if you need assistance protecting your home from further damage and assist in find temporary housing if your home is unlivable. Most of the companies we represent offer 24/7 claim service.

Q Is there a home insurance deductible?
A Your policy has a deductible, but the amount can vary depending on your policy and type of
loss. Your deductible is the amount you pay out-of-pocket toward home repair or replacement costs.

Q How does the insurance company evaluate damage to my home?
A An insurance adjuster may need to come to your home to complete a thorough review of damage. If possible, your adjuster will complete a review of your home and personal items over the phone, email or via video chat. They will work directly with you and your contractor to reach an agreement on the cost of repairs. There available to make sure you don’t pay more than you need to.

Q What if I also have damage to my personal belongings?
A Your personal claims representative will ask you to put together a list of damaged personal items. Having photos, receipts, or manuals for the items will help us estimate the cost to repair or replace them. For items that are damaged but only need to be cleaned, they have a restoration or dry cleaning company that can complete that cleaning for you. This may require the restoration company to pack up and move your contents to their facility for cleaning. Please don’t dispose of any personal property items until we’ve authorized the disposal of the contents. It’s a good idea to create a personal property inventory now – before a claim happens.

Your claims representative is also available every step of the way to answer any questions you have until you’re back in your home and normal routine.