Insurance Claims

An insurance claim is a formal request to your insurance company for compensation due to a covered loss or event. 

1. Report the Damage: Contact your insurance company promptly after the damage occurs. Provide details about the incident, such as the date, time, and cause.
2. Document the Damage: Take photos or videos of the damage to your home and belongings. Create an inventory of damaged items, including descriptions and purchase receipts if possible.
3. Meet the Adjuster: The insurance company will send an adjuster to assess the damage and determine the extent of the loss.
4. Review the Estimate: The adjuster will provide an estimate of the cost to repair or replace the damaged property.
5. File a Proof of Loss: You may need to submit a formal proof of loss form, detailing the damages and your claim.
6. Receive Payment: Once the claim is approved, you will receive payment for the damages, minus your deductible.

• Document Everything: Take photos of the damage and gather receipts for any expenses related to the incident.
• Be Honest and Accurate: Provide complete and truthful information to your insurance company.
• Understand Your Policy: Familiarize yourself with your policy's terms, conditions, and coverage limits.
• Be Patient: The claims process can take time, so be prepared to wait.