Homeowners purchase homeowners insurance to give them peace of mind that they will be covered in the event of a claim. However, being prepared to file a claim will help make the process less stressful and help ensure your claim is handled quickly. If you have questions about how to file a claim under your policy, reach out to an agent at The Owens Agency LLC today.
Call you carrier right away
It is imperative that you notify your insurance carrier of a claim right away. Place the contact information somewhere safe, so you do not have to search for it. Also, keep your policy number with the contact information, so you have it handy. Some policies have time limits in which you have to file a claim.
Know your policy terms
Each year, when you go to renew your policy take some time to review the coverage terms. You will want to be sure to check your coverage limits, so you know the limit of any potential claim.
Find a good contractor ahead of time
Since you will want any repairs completed on the home by a reliable and reputable contractor, you will want to have their contact information handy in the event you need to file a claim. If you need to scramble at the last minute, you may not get the contractor you would prefer. Be sure the contractor works in the Waldron, AR area, so they can get to you quickly. In the event, you need to file a claim, call your contractor and have them put together a detailed estimate for the work before the claim adjuster arriving.
Take photos as soon as possible.
Once you have called your carrier and your contractor, you will want to start documenting the damage. You should take photos and videos of all the damage. This is especially important if you need to make a change to the damaged area to protect the house before the adjuster arrives.
If you would like to learn more about how you can best be prepared to file a claim, reach out to an agent at The Owens Agency LLC today. We proudly serve the Waldron, AR area.