subject: Home Owner Insurance Claim: Pre-Claim Preparations [print this page] Home Owner Insurance Claim: Pre-Claim Preparations
Nobody wants to be in a situation where one has to file a home owner insurance claim. After all, when you do that, it can only mean that something unpleasant has indeed happened. Now, purchasing an insurance policy is one way to get ready for untoward incidents such as fire, floods and property crimes. However, it also counts to be ready when the time comes that you have to file claim. That way, you can obtain what is truly your due and start getting back on your feet.
The first thing that you have to look into is the filing or the submission procedures. This varies according to the home owner insurance company. Information about the procedure should be included in the package that your insurance policy papers came with. It will help if you check this information out as soon as you purchase the policy, or even during a talk with the agent. There should be a guide in the package, as well as a sample of forms that you have to fill out and other info that you need to provide. If you cannot find any of this information, look it up online, either from the insurance company or from general sources.
After learning about the process, get the requirements ready. By this time, you should know what information is needed. It can be about the nature of the incident or the value of the damage to be assessed. Of course the insurance company might need to make their own evaluation, but it will help if you can provide information from your end to make things faster. Furnish copies of documents. Get as detailed as possible. This can be easily done if you are familiar with what is covered and what wasn't.
Lastly, you should back up whatever information you have already gathered. When you file claim for home owner insurance, it means that something already happened. That should be enough proof that indeed, a lot of things can happen. And when it does, you won't be glad it happened, but you'll be glad you're ready.
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