How to deal with home insurance claims

According to Gocompare, one in six home insurance claims are rejected every year. Several reasons were quoted including residents’ failure to understand their policies, the fact that home insurance claims arise when the insurance holders are stressed due to incidences and damages at home.

Another reason was that policyholders complained about the value of the claim. That is why 1st American Insurance Agency recommends that all  Longmont, CO residents purchase the right policy. Don’t just get enticed by the cost. Here are a few tips to help deal with claims and get compensated as fast as possible.

Review and revise the coverage

Like any other purchase, you must understand what you are buying. Read and review every detail. If there is anything you don’t understand, ask for assistance. At 1st American Insurance Agency, we have professional insurance advisors who can help you make a wise decision.

Take photos and videos

The claiming process may take longer if you fail to take footage or photos that will prove the damages. You can handover these to your insurer as soon as you have reported the claim.

Keep receipts

Some damages can be too bad that some of your items may not be recognizable or may be lost completely. For instance, theft can be hard to claim if you don’t have receipts to prove that the stolen items are yours. Fires too can burn everything down, receipts help prove that you owned certain items.

Make small repairs

If the damages are minimal or require urgent attention to prevent further damage, it’s important that you do it and document it so that you can get a refund during the claim.

For more information about claiming home insurance, visit us at Longmont, CO, and we will be glad to assist.