Home insurance offers coverage for Post Falls, ID homeowners in the event of an unexpected disaster. In the event that disaster does strike, it isn’t uncommon for homeowners to be confused as to how they should file a claim with their insurer. Infinity Insurance Group wants all homeowners to be more familiar with the claims process, so here are a few dos and don’ts that will help the process go more smoothly.
Do Take Photos of the Damage
Photos will offer the evidence your insurer needs to determine your actual need for coverage (a payout). These pictures will show the extent of the damage. When taking these pictures, make sure to do so from multiple angles to ensure you capture everything.
Don’t Procrastinate Filing Your Claim
If you wait too long to file your claim, the damage and cause of the damage may be unable to be verified, leaving you responsible for the repair or replacement cost. You should file your claim as soon as possible, but each insurance company will have its own requirements for filing. Therefore, make sure to consult with your insurer to find out their filing deadlines. In the end, though, it is best to give your insurer a call as soon as possible after the damage occurs to increase the chance of receiving adequate coverage from your policy.
Do Include Plenty of Details
After an event occurs, you will want to take note of everything that occurred. No detail is too small, as it assists the insurance company in performing its investigation. Make sure to take note of any additional expenses, and ensure you have the receipts from these expenses. This helps to increase your overall chance for reimbursement and aids the insurer in determining the final total.
If you have any questions or are in need of home insurance in Post Falls, ID, contact us at Infinity Insurance Group.