No one wants to have the worst happen to their home. And in many cases, your home will never incur serious damage. But there is always that one instance, whether it is an unexpected natural disaster or some other event. And when there is damage to your insured home, it can be quite a process to file a claim for homeowners insurance. Here is a rough overview of what you can expect.
Tell Your Insurance Company
It goes without saying, but your insurance company is in a very good position to help you when a natural disaster or other major event strikes your home. They will be the ones who can tell you what the detailed process is for filing a claim.
But there are other entities that can also help you with your insurance claim. These are companies that specialize in helping individuals and families who are making a homeowners insurance claim.
Meet an Adjuster
When you meet with an insurance adjuster, it is the part of the process where you are going through the process of seeing what damage is done to your home. It is important to have a good idea about what is covered within your policy. You can find resources online if you are having trouble understanding homeowners insurance and how it applies to your home.
A tip that we can give you is that it is a good idea to leave your home as is when an adjuster comes to check it out. While you may be tempted to clean and do some minor repairs, anything that you do is just going to work against you. The worse your home looks, the better your chances of getting a solid claim through.
Find Temporary Accommodation
Depending on the extent of damage to your home, you may even need to find an alternate place to live. And many insurance policies will provide you with some coverage to manage these expenses. For instance, the policy may cover your family staying at a hotel for a week or two.
Ensure that you are going through the proper channels when you are making a booking. The last thing you want is to pay up front for the hotel room, only to find the cost is not covered by your provider. Check with the agent who is assigned to your case to make sure everything is set for this part of the process.
When you have met with the adjuster and found a place to live, you are ready to start repairs on your home. You can get a contract onto your property so they can give you an estimate on how much it will cost.
Run that estimate by your insurance company. They may have the adjuster talk with the contractor to get confirmation of the costs. Whenever you get some cost estimate, make sure that you are getting it in writing. It is good to have a record of every transaction or interaction that is associated with this process.