When damage or disaster strikes, you want your homeowners insurance in Antioch, CA to step in to help. Such a situation can be traumatic and costly, and it can even disrupt your entire life. When it comes time to filing a home insurance claim, there are certain things you can do to help things go smoother. Here are some dos and don'ts for when you need to file a claim.
Call your insurance carrier as soon as possible. Once you've made sure you and your family are in a safe place first. Do what you safely and reasonably can do to minimize more damage. Always call your insurance company to report the damage as soon as possible so that the claims handling process can get underway.
Take pictures. You want to document the damage to your home and belongings as best you can. Take pictures from different angles - only if it is safe to do so. You can share these pictures with your claims adjuster.
Keep receipts. If you need to stay in a hotel because your home is not safe or if you've paid for a few things at the home improvement store to keep the damage from spreading, you'll need to show these receipts to your insurance agency. Your policy may provide coverage for them.
Have an updated home inventory on hand. Theft, fires, and fallen trees - many covered incidents impact both your home and belongings. When it happens, be ready to tell your insurer what items were impacted and how much they were worth. If you have photos or videos of these items, the stronger your claim, otherwise, you may be relying on guesswork.
Work with an insurance carrier that has experts handling coverage and claims. Talk to the team at Jack Stone Insurance Agency in California to find your suitable home insurance!
