Claims for Dummies
At heart, homeowners insurance is about protecting your home, your possessions, the buildings on the land around your home, and protecting you from lawsuits and other forms of liability exposure.
Homeowners Insurance Basics
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property.
Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
How the Claims Process Works
1
Report the Loss
Contact our team or your carrier as soon as possible after the incident. The sooner a claim is reported, the sooner the process can begin.
2
Gather Key Information
Photos, dates, receipts, police reports, or damage details can all help support your claim and keep things moving smoothly.
3
Review Next Steps
We’ll help you understand what happens next, including inspections, documentation requests, deductibles, and claim updates.
What to Do Before You File a Claim
Before filing a claim, it’s helpful to document the damage, protect your property from further loss if it’s safe to do so, and gather any information that may be relevant. This could include photos, receipts, a list of damaged items, or notes about what happened. If you’re unsure whether a loss should be reported, our team can help you think through your options.
Filing a Claim Dos and Dont's
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!
It helps to have the date of loss, photos of the damage, a description of what happened, and any relevant reports or receipts. The more organized your information is, the smoother the process may be. Be sure to keep things tidy!