If your home is burglarized or damaged by a storm or fire, your homeowner’s insurance will help pay for damages. To recuperate your losses, you will have to file a home insurance claim. The following tips from ACU Insurance Services in League City, TX can help facilitate your claims process.
Review Your Policy
Before calling your agent, review your insurance policy to refresh your memory about your coverage. Be mindful of time limits to make your claim, so you don’t miss out on recuperating from your losses.
Get a Police Report
Report break-ins, burglaries, or vandalism to the police, so they can file a police report. Your insurer will require a police report to support these types of claims.
Call Your Insurer
Report all incidents of theft, vandalism, storm, or fire damage to your insurance company as soon as possible. You will receive a claims number and be assigned an adjuster for your case. Your adjuster will visit your home, assess your loss or damages, and make an estimate of the repair or replacement of stolen goods and the costs.
Document Your Loss/Damages
In the event of theft, make a list of stolen goods with descriptions of these items and receipts to verify their value. For storm, vandalism, or fire damage, take photos or a video of the damages as proof of your loss so that you can get adequate compensation for damages.
Make Temporary Repairs
If you have to make temporary repairs to avoid further damage to your property, save all receipts and invoices to get reimbursed by your insurance company. Your insurer will reimburse you for food and lodging expenses, as well, if you have to live elsewhere while repairs are made.
For help in making a home insurance claim, contact your ACU Insurance Services agent in League City, TX