What is the process of submitting a homeowner’s insurance claim?
Prevent Further Damage
The very first thing you need to do is try to prevent further damage from happening to the property. Let’s say your toilet overflowed – the first thing to do is turn off the water and try to clean it up. Then reach out to a company, such as ServPro, that can come out and start the water extraction process. The policy language states that an insured has a duty to prevent any further damage, so ignoring a problem can result in your claim being denied.
When to Call Your Insurance Carrier First
If it’s more than a toilet overflow and you wake up to 2″ of water throughout the entire house, you’ll want to call a water restoration company immediately to get started on the water extraction process. Then call your insurance carrier directly.
When to Call Hanby Insurance First
If you are concerned about whether or not you should file a claim on your homeowner’s insurance, always call our agency first. We’re here Monday-Friday from 9-5. We have someone on our team, Rhody Lynn, that is here to specifically handle all of your claims, answer all of your questions, and make sure the proper steps are taken.
Document the Damage and Process
Again, if it’s something major, take the necessary steps to prevent further damage to your home. Then it’s time to take pictures. We can’t stress enough how important pictures are during the claims process. If a water restoration company is going to come out and rip up your flooring, it’s important to document that entire process.
Step-by-Step Breakdown
In summary, here’s the order of how to handle a homeowner’s insurance claim.
- Prevent further damages from happening.
- Document what’s happening throughout the process.
- Call our agency if you have any questions about possibly starting a claim.
- Call the insurance carrier directly to file your claim.