Bankrate’s insurance experts have outlined everything from the types of claimable events to the steps for filing a claim.
and discuss any questions you may have with an agent before purchasing.There are a few things you can do to simplify the process of filing a home insurance claim, including:
—Avoid throwing away damaged items: Although it can be tempting to clean up quickly after your home has sustained damage, doing so can hinder the insurance adjuster’s job when it comes to processing the claim. You should avoid throwing away damaged items until the claims adjuster can assess your home and contents, and keep receipts for reimbursement if you have to buy items as part of the clean up process.
—Add photos or video to your home inventory: Many homeowners do not think to take photos until an actual incident occurs. However, taking photos or videos of your home and your belongings prior to any incidents can help with the claims process, especially if there are no other identifying factors, like serial numbers.Before filing a home insurance claim, it may be a good idea to consider your answers to the questions outlined below. Doing so may help you decide if it is worth filing a claim.
Additionally, the type of claim you make plays a role in the impact on your premium. Claims for theft, water damage, mold, fire and dog bites may lead to steeper increases.Not every insurance claim that is filed will be approved. So what should you do if your? The insurance company should send you a letter of explanation detailing why the claim was denied. Depending on the reason, you may be able to appeal the decision.
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