As a homeowner, it’s important that you understand the home insurance claim process. It’s a good idea to learn about the home insurance claim process when you purchase home insurance. You don’t want to add to the stress of experiencing home damage by not knowing how to go about filing a claim after an accident occurs.
At Versatile Insurance Planners, we offer home insurance in San Antonio, TX. The following are three things that policyholders should know about filing a home insurance claim.
You’ll need to contact your home insurance provider to get things started.
The first step to filing a claim is contacting your home insurance provider and providing details about the incident that led to home damage. You can typically file a claim over the phone. Some providers also will allow policyholders to file a home insurance claim over the Internet.
It’s important to document the accident and the resulting damages carefully.
As part of the claim process, an adjuster from your home insurance company will come to your property and assess the damage. You should carefully document damages by photographing or videotaping them. If you have any repairs done, keep receipts to show the amount that you had to spend on them.
Damages need to be covered under the terms of your policy.
It’s a good idea to look over your policy and read the fine print before you file a claim. Your home insurance policy should detail exactly what types of damage are covered. Make sure that your policy does not deny coverage for damages resulting from the type of accident or incident your home has just experienced.
If you’re looking for the right home insurance policy in San Antonio, TX, contact us at Versatile Insurance Planners. We can find the best home insurance option to protect the investment you’ve made in your home.