If your home has sustained damage due to natural disasters or crime, it is important to file a claim with your insurance agency to help cover any financial loss. The agents at Tri-Star Insurance recommend these tips to help you navigate the claims process and get the assistance you need.
Know Your Insurance Policy’s Terms
Reading the fine print is crucial when filing a claim. Find out if your situation is covered, if there is a time limit to file, and whether or not the claim exceeds your deductible. You might need to obtain estimates on repairs to your property. When you receive your claim forms, sign them and return them to your agency as soon as possible.
Report to the Police
If your home has been burglarized or vandalized, immediately report the incident to the authorities and inform them of any loss or damages. Be sure to get a police report and document which officers you speak with to help back up your claim.
Protect Your Property from Further Damage
Seal broken windows to the best of your ability or protect items from water damage with a tarp. You can make these temporary repairs yourself or enlist the help of a professional. Save all receipts for what you spend, as they can help when making claims in the future.
Provide Proof of Damages
Taking pictures or videotaping the damage can help prove your case to the insurance agency. Make lists of anything that was damaged or stolen, and provide any receipts you may still have for the lost items.
Cooperate with the Insurance Adjuster
Your agency will likely send an insurance adjuster to your home to assess the damage. If possible, avoid throwing out damaged items until the adjuster has seen your home. While insurance adjusters cannot approve your claim, agencies often use the adjuster’s reports when deciding whether to approve or deny claims.
If you are not satisfied with your current insurance coverage or have any questions about San Diego homeowners insurance, call the home insurance experts at American Tri-Star Insurance at 619-272-2100. We can provide easy and affordable solutions to meet your insurance needs.