Imagine experiencing home damage because of a natural calamity (hailstorm, earthquake, flood, etc.) or man-made activity (theft, vandalism, etc.) and following up with a homeowner insurance claim to get compensation.
The whole process can be extremely overwhelming.
You are already dealing with the loss of your property and assets. On top of that, you will have to file a claim with your insurance company within the required time.
To add insult to injury — the claim process can be cumbersome.
At such a time, calling your insurance service provider in Naperville, Illinois, is the best course of action, as they can help file the claim while you gain the strength to deal with the loss.
But if you want to go ahead on your own, here are a few tips to help simplify your claim:
Reach out to your insurer
The first step to successfully file a homeowner insurance claim is to notify your insurance company of the damage as soon as possible.
This is also the right time to get your questions regarding the coverage answered.
The insurer may ask you a series of questions to process the claim — your personal information, details regarding the damage, and other information. Make sure to answer those questions accurately since the damage inspection process depends on the information you provide to them.
Unless your home damage is a consequence of a natural calamity, notify the local police of the loss as soon as it comes to your attention. For many homeowner insurance claims, getting a police report verifying your damage and loss of property is a prerequisite.
Click pictures of the damage
Photos add credibility to a claim. So, it’s best to take some pictures of the damage to verify it.
If you manage a home inventory, don’t forget to provide your insurance company with a copy of everything you had and assets that got damaged, vandalized or stolen.
Also, if you have to repair your property to prevent further damage, make sure to keep a record of your expenses on the repairs to receive reimbursement from the insurer.
Work with your insurance in Naperville, Illinois
Your insurance company will send an adjuster for damage inspection and evaluation of your claim. These professionals will guide you throughout the claim process and help you get the compensation you deserve for your loss.
Follow up
After you have filed a claim, make sure to follow up with your insurer to get updates on the process and know how much compensation will be getting for the loss.
If you are not satisfied with the compensation, contact your insurance agent in Naperville, Illinois, and ask them what needs to be done depending on your specific situation.
If you want to get the best homeowner insurance in Naperville, Illinois, contact Steve Ballina Agency today and let us offer comprehensive homeowner coverage at competitive rates.