While you may have insurance for your home in Flushing, MI, you hope you’ll never need to use it. However, the reality is that most homeowners will need to file a claim at some point. The process of filing a claim can be straightforward, but overlooking a detail could potentially jeopardize your chances of receiving reimbursement. The agents at Vernon Agency are here to guide you through this process.
Guidelines for Filing Your Claim
When filing a claim, you will need to provide basic information, such as your name, address, contact details, and policy number. Additionally, you’ll need to provide the date and a description of the loss. Having a home inventory can be extremely helpful when filing a claim. If an injury occurs during the covered risk, you will also need to provide medical records. Although you typically have one year from the event date to file a claim, it’s best to do so as soon as possible.
If the damage to your home poses a threat to your safety, take steps to mitigate the damage immediately. Your insurance company may require you to complete specific forms that detail the loss. After you’ve done this, you can meet with an adjuster to review the incident and determine the cost of settling your claim. Before deciding on the claim, obtain several quotes from contractors to repair the damage.
What to Avoid When Filing a Homeowner’s Claim
When filing a claim, avoid speculating on the cause of the damage, admitting liability, or making unsupported statements about what caused damage to your property. Also, refrain from making threats or discussing litigation at this stage. When working with your insurance adjuster, please focus on the current claim and avoid discussing other claims; their job is to assess the damage.
If you need to file an insurance claim and are unsure of the process, Vernon Agency, serving Flushing, MI, is here to help. Contact our office today to discuss your homeowner’s policy.
