Important Tips to Remember When Filing a Home Insurance Claim
For many people, homeowners insurance is something they purchase but hope to never use. In the event, something disastrous happens to your home or property and you have to submit a claim, however, you’ll want to be prepared. That’s why our Santa Monica insurance center has put together a list of important tips to remember when filing your home insurance claim to make the process as smooth and stress-free as possible.
Understand Your Policy
Before making a claim, it’s not a bad idea to review your coverage, limits, and deductibles since knowing your policy can help you in organizing and filing your claim. For example, if your home was damaged by water, your policy may exclude such events and separate flood insurance would be required. If your Santa Monica home or property was badly damaged and requires immediate restorations, take a look at the limits and deductibles listed for your Allstate home insurance plan as that can affect how much you will need to pay for out-of-pocket repairs and can play a part in deciding what needs to be fixed first.
Call Your Santa Monica Insurance Company
Always call your insurance company to report the loss as soon as possible after the incident occurs to file your claim. In the event of a burglary, fire, or vandalism, be certain to report the situation to the appropriate authorities and have that information handy when you call. Having all of the details of the incident plus your policy number can ensure your claim is documented properly and in a timely manner.
Perhaps the most important tip of them all, take plenty of photos and videos of the damage to both the interior and exterior of your home and property before cleaning up or starting any repairs so you can provide well-documented proof to your insurance company. Don’t forget to photograph and write down any damage to your personal property including furniture, clothing, and electronic devices as well as save receipts for anything you buy for repairs or additional living expenses. Your insurance company will typically reimburse you for reasonable expenses while they determine the total cost of your claim.
Filing an insurance claim can be tricky but with Allstate insurance from Sully Insurance Center on your side, you’re covered. Feel free to reach out and request a quote online from our Santa Monica insurance center to learn more about the various Allstate home insurance products we offer!