While we buy home insurance to give us peace of mind, things can sometimes go awry. What’s next? What should you do and not do? Who do you tell first, what are your options or obligations? Do you know how to file a claim? Losses can be stressful, particularly when they involve your home, but worry not because Familia Insurance Agency is here to take you through the claiming process and support you until you have recovered. Here are a few ways you can prepare for a home insurance claim.
Understand your coverage
Make sure you know exactly what is covered and what’s not covered to avoid misunderstandings when filing your claim. Filing a claim for uncovered damage will only raise your premiums, therefore, make sure your claims are approvable.
Update your home inventory
One of the most common headaches about filing a claim is a lack of updated inventory. If you bought a new tv and did not keep the receipt as proof, your insurance provider may find it difficult to believe you. Take photos, videos, and carry receipts for every item you buy. You will need these photos when filing your claim.
Have a reliable contractor in Kissimmee, FL
Some accidents or perils may involve you working on some damages or repairs. If you have places in your home that put your home at risk, like a hole in the roof, a contractor can help you fix them before an accident. Similarly, when filing a claim, you can also use the services of your contractor to repair and fix what can be fixed instead of having your insurance company bring their own contractor.
Don’t wait until there is an emergency to learn how to file a home insurance claim successfully. Insurance experts at Familia Insurance Agency are here to answer any question that you may have. Call us or visit us at our Kissimmee, FL offices, and we will be happy to help.