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 Homeowners Insurance -- Filing a claimThis section covers, briefly, the step you should take when filing a homeowners claim. FILING YOUR CLAIM 1. Report any burglary or theft to police.2. Phone your agent or company as soon as possible. (Insurance policies place a time limit on filing claims.) *Ask questions about your policy -Am I covered? -Does my claim exceed my deductible? -How long will it take to process my claim? -Will I need to obtain estimates for repairs to structural damage? 3. Prepare a list of lost or damaged articles. 4. Save receipts from any additional living expenses you incur if your home is so severely damaged that you have to find other accommodations while repairs are being made. Most homeowners insurance policies include a provision for reimbursement of these expenses. 5. Get claim forms. Once your insurance company has been notified of your claim, the company is required to send you the necessary claim forms to you by the end of a specified time period. 6. Have an adjuster inspect the damage to your home. Your insurance company will arrange for the adjuster, or they will ask you to contact a contractor for an estimate. You can find a reliable contractor at ImproveNet.com. SETTLING YOUR CLAIM Once you and your insurance company agree on the terms of the settlement, the law requires that they send payment promptly. If you are unsatisfied with you claim, here are some of your options: 1. Explain your side of the matter to your insurance company. 2. Call the National Insurance Consumer Helpline (800-942-4242). 3. Contact your state insurance department (phone numbers are listed in your local phone book). 4. Call an attorney. |
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