Filing a home insurance claim is something we hope to never do but knowing how can avoid serious complications.
A disaster that strikes our home can be an extremely traumatic experience. And depending on the extent of the damage it can change your life for good; a scenario we all hope we never have to go through. Regardless of the damage that is done to your home, it’s important to know how to file a home insurance claim to make things easier for you and to avoid any potential issues. Here is what to do and not do when filing a home insurance claim.
DO call your insurance company right away. It goes without saying that you’ll want to make sure that your family is safe and sound first. After you make sure everything is okay with your loved ones it’s important to call your insurance company to report the incident.
DON’T throw out your receipts. If your house is unsafe to spend the night and you need to rent a room or book a hotel, don’t throw away your receipts. Your homeowners insurance company covers the expenses that were incurred.
DO take pictures. It’s important to gather photographic evidence of the full damage of your home. You won’t want to put yourself in harm’s way to get the perfect angle of the damage.
DON’T assign your benefits to the contractor. When you hire a contractor, they will make you sign an Assignment of Benefits. This document gives the contractor full control over the entire claims process–this includes the ownership of any payments. Some contractors have been known to collect the payments and leave without ever finishing the job. Make sure that your contractor is trusted.