According to industry experts a lot of people these days vaguely make home insurance claims and get turned down. These people are unaware of the key elements of making an insurance claim. If you want to get approval on your home insurance claim then you should follow a few simple steps. Here is a list of things that every homeowner should know before making an insurance claim.
Policy Features A knowledgeable homeowner is a person who knows all about his homeowners’ insurance policy. You should know what you policy covers and what it does not cover. You should also be aware of the maximum amount you can claim from your policy.
If you want to get the vest service from your insurance company then you will have to do a bit of hard work. In case of damage to your house you should first go and get estimates of the repair cost from multiple sources. Most insurance companies require more than one estimate.
Is the Claim worth Filing?
The next thing that you need to do is figure out if the claim that you are about to file is worth it or not. Often at times a lot of people end up filing claims even for minor damage to their house which can be self repaired. The more claims you make the higher your premiums will be in the future so do keep this in mind before you proceed.
Proof of Ownership
If you are filling claims for expensive items that were stolen from your home then you are going to need proof of ownership. The insurance company will check to see if you actually owned the items or not. A wise idea would be to safely keep the receipts of all expensive items that you buy. You may even photograph the things that you own for future reference.