When Your roof caves or your windows get blown out, you want your homeowners insurance company to cover the expenses. However, how do you file a claim? Did you know that how you file determines what comes out of your pockets. According to Bill Wilson, employee of Independent Insurance Agents and Brokers, contacting your agent to see when something is covered is a good thing, but you do not want to file claims constantly over expenses that you can afford. Wilson went on to say that eventually, companies will not renew your policy because of the claim frequency.
Avoid Cleaning up Too Much
Sometimes storms leave behind a destruction of wreckage that needs cleaning to prevent injury on your property. Nevertheless, you need to exercise caution not to remove evidence of the damage. Photographs provide documentation of the damage, and it ensures that companies cannot deny a claim. Homeowners insurance companies watch closely for fraudulent claims. Especially when making expensive repairs, save your receipts to document the cost of repairs.
Wait Too Long for Claims
Home insurance providers usually respond immediately for serious damage such as a hole in your roof, and in some cases, the provider may offer advice or recommend a local contractor. Nevertheless, waiting too long can result in denied claims.
Damage from Hail
Especially in the South, hail damage has become a costly problem, and toward the end of winter, hail has been known to damage roofs resulting in $10,000 claims. People often file hail damage claims late because the damage does not become apparent until later.
Understand the coverage of your policy to avoid the headaches. A standard policy covers wind damage, personal belongings, liability protection and additional living expenses if you are unable to live in your home. However, most homeowners are shocked to discover that standard policies do not cover floods. Laying plans ahead of time prevents issues later.
Call Pachuta Insurance Today @ 706-769-2262
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