Filing Homeowners Insurance Claim Forms

Usually people are under the misconception that filing for an insurance claim is long and tiresome process. But, filing claim for your homeowners insurance policy can be done with relative ease if you follow all the correct procedures properly. You will also find the process to be easy if you are in the habit of reviewing your insurance policy on a regular basis and keep up to date with your duties and responsibilities for your specific plan.

Remember, there will probably come a time in your life when you will have to file for a home insurance claim. The reasons may be varied, from your roof being damaged by a broken tree to your dog biting your neighbour. So, irrespective of the cause or the amount of damage you may be claiming, the procedure will be the same for all. Here are some useful tips to get you started if you are in the need to file a homeowners insurance claim:

Step 1 - Report the crime to the police
If your home has been burglarized or vandalized or if you have been victimized, then you mist report the incident to the police. Get a copy of the police report, including names of all the law enforcement officers you speak to.

Step 2 - Call your Insurance company or agent immediately
Most insurance policies have a set time limit for filing claims, so find out your policy's time limit. Call up the call centre or the agent and ask these questions - Am I covered? Is your claim more than your deductible? How much time will the claim process take? What kind of estimates will I need?

Step 3 - Protect your property from further damage
Make temporary repairs to your property thereby protecting it from any more damage. Save all receipts for money, you spend and submit the bills to the insurance company for reimbursement.

Step 4 - Make inventory of lost or damaged things
In order to substantiate your loss, you will have to create an inventory of all the damaged goods. Don't throw any item until the adjuster visits your home. You can also take photographs or videos of the damage.

Step 5 - Want to relocate? Keep your receipts
If you plan to move out of your home on a temporary basis while repairs are being made, then keep all records of any additional expenses incurred. Usually most homeowners insurance policies offer coverage for 'loss of use' of your property.

Step 6 - Ask your insurance company for claim forms
Once you notify your insurance company of your claim, it needs to send you the necessary claim forms within a specific period. Fill the forms correctly and return them to the company promptly.

Step 7 - Getting an adjuster to inspect
Either you or your insurance company needs to arrange for an adjuster to come and inspect your property to assess the damages.

State laws across America; require that your insurance company send the payment promptly. However, if you have any questions about claims and filing claims in your state, you can check with your insurance company or your state's insurance department.