How to Make a Home Insurance Claim
How to Make a Home Insurance Claim
Though you may not want to think about an event that would make a home insurance claim necessary, you should plan for it from the moment you take a policy out. This means being upfront and honest with your insurer - any lies or discrepancies on your policy, particularly those that influence your premium, are likely to be penalised by an insurer.
From there, make sure your policy is kept up to date. This means updating it as and when you bring new items into your home or make changes to the fixtures and fittings of the property. Keep an inventory of items too. Hang on to receipts and list all of the contents you keep in your home, ideally attaching photographs of them too. This will help a claim run smoothly when the time comes.
What happens after the insured event?
Once an insured event occurs, contact your home insurance provider as soon as possible. Normally a home insurer will ask you for various details over the phone before sending out a claims form for you to fill in.
Remember to follow the provider's instructions as closely as possible. Don't attempt to replace items before your insurer has paid out and don't throw anything away. Don't attempt to repair any damage either as its not unusual for a home insurance provider to send out a loss adjustor to analyse your claim. As such the property will need to be left in the same condition as when the insured event occurred.
Ideally, take photographs or video footage of the property in its insured state. This should help back up a claim if there are any discrepancies going forward.
Once an insured event occurs, contact your home insurance provider as soon as possible. Normally a home insurer will ask you for various details over the phone before sending out a claims form for you to fill in.
Remember to follow the provider's instructions as closely as possible. Don't attempt to replace items before your insurer has paid out and don't throw anything away. Don't attempt to repair any damage either as its not unusual for a home insurance provider to send out a loss adjustor to analyse your claim. As such the property will need to be left in the same condition as when the insured event occurred.
Ideally, take photographs or video footage of the property in its insured state. This should help back up a claim if there are any discrepancies going forward.
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