If you’ve ever filed a insurance claim for a car accident, you know that it can be quite the process but you may not be as familiar with home insurance claims. If you don’t own a home, you wouldn’t need to file one, and if you recently purchased, you most likely haven’t needed to file one, but it’s always a good idea to be ahead of the game so if the circumstance does come up, you will be that much more informed.

The process for filming a claim with your home insurance is fairly similar to that with one for your vehicle, and if you happen to work with the same company and have bundled your products, it makes things even easier for you since they already have all your information available.

  1. File the claim

This is usually done online, over the phone or possibly through an app if your company has one available

  1. Claims Adjuster Assigned

The insurance company will assign someone to handle your claim throughout the process

  1. Initial Contact Made

This is where the real work begins. The claims adjuster will reach out to get all the details of the situation, discuss the details of your coverage, and tell you what to expect moving forward. Depending on the reason for the claim, you may be in a rush for the work to get started, but it’s important to remain patient as your adjuster most likely has several claims on their caseload. Be sure to take notes during this conversation as well so you can review them as things start to move forward

  1. Evaluation

The claims adjuster will review all the information they have in regard to your claim, getting any estimates that are needed, and speaking with witnesses if needed.

  1. Resolution

Depending on the difficulty of the case, you may receive payment shortly after the investigation has been completed. In other circumstances, there might be a need for a follow up conversation or additional estimate. In some situations the payment might take longer if more information is needed.

  1. Conclusion

Once payment has been made and everything is resolved, your insurance company will close this claim. It’s important to make sure you get all questions answered and follow up before the claim is closed so don’t be afraid to let your worker know about any concerns before they reach out to close the claim.

If you have to file a claim for whatever reason, be sure to answer all questions as thoroughly as possible. Send documents and photos in a timely manner, and follow up with any member that reaches out as soon as possible. In most cases, they can only move as quickly as they have the information provided, so if you don’t respond promptly, that ends up holding things up and working against you.

We’re Here For You

We know that filing insurance claims can be overwhelming but we want to make the process as simple and easy as possible. If you’re thinking about a new policy or want to compare your current policy to what we have to offer, don’t hesitate to give us a call today!