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Tuesday, 22 October 2019
Agent Resource Center

7 Homeowner's Insurance Claim Tips You Need to Know: 2019 Edition

Written by Posted On Wednesday, 09 October 2019 03:15

We have outlined the secret homeowner's insurance claim tips you need to know about in 2019! Learn the tricks the pros use today!

Around 64% of Americans own their own homes. With an ongoing threat of natural disasters and theft, you simply never know when you're going to need to use your homeowner's insurance.

However, filing a claim can be a daunting task and knowing how to get the most money to cover the damage can be difficult.

That's why we put together this list of homeowners insurance claim tips. These will help you take the right steps to ensure you get the money you deserve. Keep reading for some insurance claim advice.

1. Maintain a Home Inventory

Long before a disaster strikes, you should create a home inventory so you know everything in your home that's of value. Then, be sure to maintain it as you buy new things or get rid of old things.

Having a written record will help you get a more accurate number if needed. You should also check your policy to see what's covered. Sometimes, you can get reimbursed for things like food and other perishables that are lost.

2. Save All of Your Receipts

With every purchase you make for your home, you should be saving your receipts. This helps the insurance company know how much everything is worth based on how much you paid for it and how long you had it.

3. Photograph Everything

When a disaster does strike, start by photographing the damage before you touch anything. This is especially important if you need to make emergency repairs before the adjuster arrives so you have proof of the original damage.

4. Have Everything in Writing

As you go through the insurance process, make sure you have a paper trail. Provide clear information in writing to the insurance company and keep every piece of paper they give you.

5. Don't Try to Cheat the System

It may be tempting to claim something is worth more than it is or that existing damage occurred because of a natural disaster.

However, being dishonest will only hurt your case and could end with you getting less money than you're actually owed.

6. Get Your Own Estimates

You want to make sure that the estimate provided by the insurance company is an accurate one. For that reason, we recommend getting your own estimates from local companies for the damage.

Most repair companies will provide you with a free estimate and it will give you a chance to compare that with what the insurance company is offering.

7. Use a Public Adjuster

You may be thinking it will cost you more money to get help from a public adjuster, but with how much more money you can get, it's worth it.

Let Us Claim is one such company, and they state that the average person gets over seven times as much money when using a public adjuster compared to filing their own claim.

Want More Homeowners Insurance Claim Tips?

Now you know seven homeowners insurance claim tips. As you can see, using these will help you spend less time and effort to get more money when you need to file a claim.

If you want more tips like these, keep reading our blog. We have tons of articles that will help you live your best life.

Listing Additional Info

  • State: California
  • Address: 344 Coleman Avenue
  • City: Escondido
  • Zipcode: 92025
  • SOLD: no
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Stacy Stein

stacy is a real estate writer, and she would like to real estate, business-related topics, she would like to go out with her friends. she studied business management from California University and she presently lives in California.  

 

 

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