Take These Steps to Help with Your Home Insurance Claim

How to speed your home insurance claim along.

If you are like many other homeowners, then having your home damaged or broken is a nightmare scenario.   Things seem even worse when you think about filing a claim with your homeowners insurance in East Lyme, Connecticut.  Luckily, there are some things that you can do to make filing a claim easier and faster.  Here are some of the home insurance claim steps that you should take.

  • Quickly Report the Claim to Your Insurance Provider

Most homeowners insurance policies include a clause that requires you to report claims “promptly.”  Generally, this means reporting a claim within 24-hours of the incident.  If you are filing a claim for vandalism or theft, then you need to contact the authorities before your insurer.  This is because your claims adjuster will require information such as the investigating officer’s name and your police report number.

  • Give Your Insurer a List of Stolen or Damaged Items

To ensure that you are receiving adequate compensation, you will need to provide a list of all the personal possessions that were stolen or damaged during the claim event.  While this isn’t a big deal if only one or two items were affected, this can be a daunting task is your home was completely destroyed.  This is why it’s important to have an updated home inventory ready at all times.  A home inventory is a comprehensive list of all the things that you own, how much they cost, where you go them, and so on.  Having this document ready will help you in the event that you need to file an extensive personal property insurance claim.  Work on this document now to ensure that you are ready if disaster strikes.

  • Make Yourself Available for Contact

Filing a claim, no matter how small, takes time and effort from both you and your insurer.  The best way to ensure that your claim is handled quickly and efficiently is by staying in contact with your insurer and making yourself available to your claims adjuster.  By making yourself available, you can take care of things quickly on your end, which will help push the claim through.

These are some of the things that you can do to assist with your home insurance claim.  Do you have more questions about your homeowners insurance in East Lyme, Connecticut?  If so, then contact the experts at The Reardon Agency.  We are ready to assist you with all your insurance needs today.

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