Damage to Property
Accidents happen all of the time and damage to your property can be large or minimal. If there is a natural disaster you will need to follow the guidelines of the local government before making a claim with your homeowners insurance policy. If you have been affected by a earthquake or a hurricane there may be teams of adjusters that will travel to the area and assess the damage and help people immediately.
If your property has been damaged by a fire or other hazard you will need to gather information and evidence to prepare your claim. Begin by taking pictures of the damaged areas and even take videos to make sure everything is documented. You may even want to make at least two copies of the evidence in
case you need to send the information to the insurance company. If you need to make repairs quickly to prevent further damage be sure to keep the receipts. Do not make any permanent repairs until your insurance agent has been to your home to see the damage. Otherwise your claim may not be approved.
If there were injuries involved with the property damage keep documentation and hospital bills and prescriptions. All of these items should be covered with your homeowners insurance policy, but you will need proper evidence to ensure a quick and easy claim. Purchasing homeowners insurance is a smart decision. When it comes time to make a claim - just follow a few simple steps on how to make a claim and you will have the money you need quickly.