Homeowners policy is a contract between you and insurance company
where you and your insurer must follow
rules and procedures. Read your insurance policy to see what your responsibilities are.
Report to the police
Report to the police, and get a police report and the names of all law enforcement officers that you speak with.
Phone insurance company immediately
Call to your insurance
company during the limit
time to file claims.
Ask
questions:
￭
Am I covered?
￭ Does my
claim exceed my deductible?
￭
How long will it take to
process my claim?
￭
Will I need to obtain
estimates for repairs to
structural damage?
Make repairs
Repair your property from
further damage. Save
receipts for what you spend
and send them to your
insurance company for
reimbursement.
List of lost or damaged articles
You have to prove your loss.
1. Keep damaged items until
the adjuster visit your
home.
2. Photograph or videotape
the damage.
3. Prepare a home inventory
and make a copy for your
adjuster
4. Supply copies of receipts
from damaged items.
Keep receipts for relocate
If you need to find other
accommodations while your
home is repaired, keep
records of all additional
expenses incurred.
Get claim forms
Once your insurance company
receives your claim, they
will send you the necessary
claim forms by the end of a
specified time period.
Return the properly filled
out forms as soon as
possible.
Adjuster inspection
An adjuster may be arranged
to come and inspect your
home.
