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Six Step Guide to File a Home Insurance Claim

Posted by Royal Sundaram on 09 Dec 2016

Six Step Guide to File a Home Insurance Claim

Taking up a home insurance policy is a big step towards securing your most valuable asset. When you know that your home is insured, you can sit back and relax knowing that your home is safe no matter what. Although you might have insured your home, it is very important to understand the claim process in order to get the full benefit of the claims.

Any inconsistencies in the claim process may result in heavy losses or even rejection of the claim. Therefore, here’s a simple six step guide to file a home insurance claim.

Report the claim as soon as possible

  1. If your home has been damaged due to any reason, you must report the claim as soon as possible.
  2. Though reporting the claim sounds obvious, it is easy to forget it when you are reeling from the trauma of damage to your home.
  3. You can report your home insurance claim either online or by calling up the claim helpline of your insurance company.

Confirm the details

Once you intimate the extent of damage to the insurance company, the matter will be assigned to a claim adjuster. A claim adjuster is an insurance officer who is responsible for communication with you in order to confirm the extent of damage caused to your home.

The claims adjuster may ask you for a formal statement regarding the damage and will also provide you claim related forms. You may have to provide details such as:

  • Reason for the loss/damage
  • Involvement of the police or fire department
  • Steps taken to curb the damage
  • Details of damaged property

Assess the extent of Damage

  • Once you have completed the necessary formalities, the claims adjuster will assess the extent of damage and offer you an estimate for losses.
  • If you wish, you could also get damage assessment quotes from another contractor and provide them to the claims adjuster.

Make the repairs

  • Once the quotes for the repairs are approved by the claim adjuster, you can start the repair work from the assigned contractor.

Medical benefits for personal injuries

  • If your home insurance policy covers personal injuries, you can also put in the claims for the medical bills.
  • For the medical bills, you will have to contact a claims adjuster who specializes in medical benefits.

Close the claim

  • Once all the repairs and medical treatments are done, you will have to submit the invoices to the insurance company as soon as possible.

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