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.