A guide to filing a home insurance claim

Home insurance is one of those policies you buy, hoping never to use. Many homeowners in Mesa, AZ purchase home insurance to protect their homes from various natural disasters and accidents such as fires. Unfortunately, many of them don’t know how to file a home insurance claim, or their claim ends up rejected.

INW Insurance Solutions found that many policyholders don’t study their policies and will assume that every damage is covered. Others simply don’t know what to do when such incidents happen. If you are one of those, who don’t know how to file a home insurance claim. Here is a simple step-by-step guide to help you understand the process.

Notify your insurance company

If it’s a typical accident like a fire, inform your insurance company immediately. You can inquire about the coverage limits, deductibles, and what documents will be required so that you can prepare. If the damage is related to a crime such as theft, notify the police first.

Submit your claim documents

Next, you will need to fill some forms with your personal details sent to you by your insurance company. Fill the forms and return them as soon as possible.

Document the damage

If it’s safe, walk around and salvage the situation. Check what is damaged and record with a camera if possible. Make a list of the damaged areas and items.

Meet with the adjuster

Depending on the extent of the damage, an insurance adjuster will be sent to assess the damage in person. They will check the damage and report back to the company.

Make small repairs

After the meeting, make minor repairs to prevent further damage and keep receipts as proof. If you’re staying in a hotel, track your expenses by keeping receipts of everything you buy or use until your home is ready.

Remember to read your policy and understand what is covered to avoid filing claims for uncovered perils. If you need more help learning how to file a home insurance claim in Mesa, AZ, please reach out to INW Insurance Solutions, and we will be happy to help.

Monsoon Season & Insurance

INW Insurance Solutions made Mesa, AZ their home so we are no strangers to the Arizona monsoon season that comes every year. We love the excitement from the storms, but we also know that monsoon season is the perfect time to determine if your home and auto insurance is enough.

Arizona’s monsoon season normally lasts from June to September. During this time thunderstorms, rain, wind, and dust storms can make frequent appearances. As astonishing as monsoons are to the Arizona desert, they also bring in hazards for your home, car, and personal safety. Strong winds can cause heavy objects like trees to fall down violently, heavy rain can cause sudden flooding, and dust storms can reduce visibility on the road.  However, your current policy may not cover certain damages or losses from extreme weather such as floods or the need for temporary living expenses. Your independent agents at INW Insurance Solutions can explain to you what these options are.

Monsoons are unpredictable and can change in an instant. Some years, our monsoon seasons are disappointing by being hot and dry. Other years, they are exciting and full of rain and haboobs. A sunny day can quickly become a hazardous rainstorm in a matter of moments, or a dry monsoon season can increase the chances of fires, which is why it is important to stay protected against the impacts of monsoon season with great insurance. Call INW Insurance Solutions today to see if your policies cover the possible damage that a monsoon can bring. Together, we can review and adjust your coverage so you can enjoy the storm from the safety of your home, knowing you are protected.

As we enter the last month of monsoon season, INW Insurance Solutions presents some tips to keep yourself safe and protected:

  • Stay updated on the weather
  • When driving in a dust storm, you should pull off the road, stop, and turn off your vehicle lights
  • Do not attempt to drive through a flooded road
  • Secure your outdoor objects that can blow away and cause damage
  • Keep up to date with repairs and maintenance of your home and car to minimize possible damages