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Be mindful when filing an insurance claim on your home by following these helpful tips. If it is too overwhelming, contact The Shelley Group today! We are here to help you!
Filing a homeowners insurance claim can be difficult, especially when handling extensive damage or complex claims. Nevertheless, you can avoid some of the most frequent mistakes when submitting a home insurance claim.
Failing to Read Your Policy: It's understandable if you haven't read your home insurance policy. Insurance policies are often difficult to comprehend. However, it's important to take the time to understand the meanings of the coverages in your policy.
Not Having the Right Coverage: Without the appropriate insurance coverage, you may end up facing substantial financial difficulties. Engaging in a meaningful discussion with an insurance agent can assist you in preventing these mistakes.
Not Having a Home Inventory Report: A common error that occurs well before any damage is incurred is the failure to create a comprehensive home inventory. This detailed record of your belongings will be particularly important in the event of significant damage. Relying on memory alone may lead to overlooking certain items and omitting them from your claim. Download our FREE Contents List below.
Failing to Maintain Your Property: If you fail to upkeep your home, you may face issues that are not included in your home insurance coverage. While sudden burst water pipe damage is typically covered, an insurance claim for an unrepaired roof leak may be rejected due to your inaction in preventing further damage.
Poor Communication: Delays in the entire claims process often occur due to poorly communicated claims.
Waiting: Reporting a claim promptly can expedite repairs, reducing the duration of time the insured spends managing the repair procedure.
Trying to Tackle a Big Claim Alone: Handling large and costly claims can be intricate, taking months to settle. You may interact with multiple insurance adjusters and manage extensive paperwork. If you have extensive house damage, you may want to hire a The Shelley Group, Inc. early in the process. We work on your behalf to deal with the insurance company’s adjusters, to make sure you have the right documents and to meet deadlines.
Not Documenting the Damage: One of the most common mistakes in claims is not documenting damage. It is recommended to capture photos promptly when damage is detected. It is ideal to have both "before" and "after" pictures illustrating the damage to your property. This can assist in expediting the handling of your claim.
Cleaning Up Too Fast: On occasion, homeowners dispose of items that have been damaged in a fire or flood without waiting for the complete documentation of the damage. They also get rid of receipts necessary for filing a claim. If you are making a claim for a damaged item, hold onto it until you have gathered enough evidence of the damage, like photos or repair estimates.
When filing a home insurance claim, review your policy thoroughly to understand coverage and requirements. Document damage with photos and keep records of repairs. Seek professional assistance if needed from experts like The Shelley Group to navigate the process successfully and ensure proper coverage.
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