How You Can Simplify a Home Insurance Claim

home insurance claims made easy

How You Can Simplify a Home Insurance Claim

Take these steps to simplify your homeowners insurance claims process.

Sometimes experiencing damage to your home is unavoidable.  Luckily, having the right home insurance in Orange, California can help you cover the damages to your property.  When it comes time to use your insurance, you will have to undergo the claims process.  While this process can be tedious, there are steps that you can take to simplify your claim.  Here’s what you should do to make filing a home insurance claim easier.

  • Call Your Insurance Agent ASAP

After making sure your family is secured in a safe location, the first thing you should do is call your insurance agent to report the damage.  You should be sure to call your insurance provider before calling in a contractor to begin repairs.  The sooner you call your insurance agent, the sooner you can begin the claims process and the sooner you will get the assistance that you need.

  • Take Photos

If it’s safe to do so, you should try to take pictures of the damage and the root cause of the damage.  Try to get as many shots from different angles as possible.  Not only will this help you document the incident, but it can also help your claims adjuster get a better idea of how extensive the damage is.

  • Don’t Assign Benefits to a Contractor

When you call in a contractor to handle the repairs to your home, they may ask you to sing a form called Assignment of Benefits (AOB).  Signing this document would give them full authority over the claims process, allowing them to control the benefit that your insurer might release.  This is dangerous because untrustworthy contractors might take the insurance benefit without bothering to complete the repairs on your home.  So, if asked, do not sign this document.

  • Save Your Receipts

If you bought supplies in an attempt to stop the damage from spreading or if you had to stay overnight at a hotel while the repairs were taking place, then save these receipts.  In some cases, your home insurance policy might provide coverage for the expenses associated with the incident that damaged your home.

Try out these suggestions to help you simplify the insurance claim process.  Are you looking for more assistance with your home insurance in Orange, California?  Then don’t hesitate to contact the experts at Remland Insurance.  Our dedicated team is ready to assist you with all your insurance needs.