How to claim your home insurance


How do you go about claiming your home insurance? Is it as simple as calling up the provider and giving them the necessary information? Well, it’s actually a little more complex than that, but if you follow these simple steps, you should be able to make a claim within 7 working days!

Check That You Are Eligible

Before you can make a claim on your home insurance, there are a few things you need to check. Start by confirming that you are actually eligible for a payout from your provider. In most cases, you must be living in or renting out a house or apartment (or both) before you can be paid out in full. You should also ensure that any improvements made to or around your property have been included in your policy—however, as long as these developments were discussed with your provider beforehand, it’s unlikely that they will refuse coverage for damage caused by natural disasters such as earthquakes and floods. Finally, check with an advisor before claiming because certain situations will only mean partial payouts.

Identify the Damage Done To Your Property

If a storm or other natural disaster damages part of your property, you’ll need documentation to support a claim. A qualified contractor or appraiser can visit your property and take photos that show any damages. You’ll also want to prepare for a visit from an adjuster. If you’re willing, let them inside and give them access to drawers, cabinets, and doors so they can document everything. If you don’t let them in, they may assume whatever damage has been done is due to negligence on your part and require more proof that it wasn’t—an often costly delay in getting payments for repairs covered by your policy.

Keep Records of Everything (emails, calls)

Because many home insurance claims are made after a loss occurs, it’s important to keep track of all correspondence with your insurer and even request copies of everything that you send. Remember, in most cases, a homeowner is required by law to report losses within 24 hours; if you don’t comply with state regulations, there could be consequences. In addition, if you have an issue with a claim later on—if it seems as though your insurer isn’t covering all of your expenses or taking longer than expected—you can use these records as evidence when speaking with customer service reps. After talking to them or writing them an email, make sure you either write down exactly what was said or send an email confirming what you discussed. And remember: Keep all documents related to losses and repairs!

Notify Your Insurer and Do What They Say

The most important step is to tell your insurer as soon as possible. If you don’t do that, they can (and will) deny you coverage because they won’t believe you actually had an emergency. Tell them what happened and follow their directions. If they say call a plumber or electrician, do it right away—but make sure you get someone who will do quality work because some insurers check on those things, too.

Call Up A Claims Adjuster As Soon As Possible

If a storm, fire, or theft caused major damage to your house, it’s important to talk with a claims adjuster from your homeowner’s insurance company as soon as possible. Your first conversation with an adjuster will help determine how much money you’ll be eligible for in terms of making repairs and getting back on track financially. Don’t wait too long before contacting an adjuster, because each insurer has different requirements for making a claim. In general, you should contact an agent within 30 days of the incident occurring; however, some insurers require that you contact them immediately upon discovering the damage. Whatever time frame you’re working with, be sure to follow all instructions provided by your insurer; doing so will ensure that no unnecessary delays occur in receiving reimbursement.

Take Photographs ofthe Damages Done To the Property

Insurance claims adjusters are only responsible for determining whether or not you’re entitled to compensation for damages. They have no way of knowing whether you actually have any damages, however, which is why it’s up to you as a policyholder to bring any damage done onto your property.

Know What Is Covered By Your Policy And What Isn’t.

After a house fire, hurricane, or another natural disaster, it’s tempting to just start rebuilding without making sure you have all of your ducks in a row. But if you try to file an insurance claim before doing everything right—filing an inventory of what was damaged, taking photos of each room’s damage—the process could be delayed and you might not get enough money back. It’s also important to hang onto all documents related to buying or selling your house so that you can show where losses occurred if need be. Buy photo boxes and label them with contents like Home Inventory so that they don’t get lost in storage. Make copies of any important documents (like deeds) for extra protection.


After a fire, flood, or other covered loss, you’ll need to provide proof of ownership and proof of value. Be sure that both of these documents are signed by an agent, so there’s no question about who wrote them or when they were written. If you don’t have all these things in order, your claim might be denied. Call a reputable company like Plenti Property and Casualty Insurance Brokers if you aren’t sure what documentation is needed after an event like a fire or burglary.

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