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Suggestions to Help You with Your Home Insurance Claim

Try out these tips to make your home insurance claim go more smoothly.

If you have to file a home insurance claim, you may be worried about the process taking too long.  While it’s true that insurance claims require a lot of time and effort, there are some things that you can do that will make your claim proceed more quickly.  Here are some of the things that you should do to assist with your home insurance claim.

  • Prevent Further Damage

Whether you were the victim of vandalism or your home was damaged in a fire, there is always the potential for damage to get worse.  All standard homeowners insurance policies require the policyholder to take reasonable actions to protect the property from further damage.  For example, if your home ‘s windows were blown out by a fire, then you should board them up to deter burglars and prevent weather damage to the inside of your home.  Minimizing the damage will make your claim much easier to process.

  • Report the Claim ASAP

Most homeowners insurance policies include a clause that requires you to report claims “promptly.”  Generally, this means reporting a claim within 24-hours.  Please keep in mind that for claims related to a break-in or theft, you need to contact the police and file a report before calling your insurer.  This is because your claims adjuster will require information such as the police officer’s name and your case number.

  • Take Pictures

Before you contact your insurer, you need to take pictures of the damage.  This is a great way to document the damage and can help your claims adjuster determine just how extensive repairs or remediation efforts will be.  Having pictures ready will help your claim proceed much more easily.

These are some of the things that you should do to make your home insurance claim proceed more smoothly.  Do you have additional questions about your home coverage?  If so, then contact the experts at Scautub Agency in Scotia, New York.  Our dedicated team is eager to assist you with all your insurance needs today.

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