Your step-by-step guide to filing a home insurance claim.

Homeowners insurance is there to protect your home after an accident. Whether your home sustained damage from a fire, wind, hail, theft, or another disaster, if your home insurance covers it, you’ll need to file a claim. Filing a claim to your insurer and getting it resolved quickly means that your home will be on the way to getting back to your Home-Sweet-Home status.

Always read through your insurance policy to see what your responsibilities are. Here’s how to get you started:

Report any crime to the police. If you’re the victim of a theft or vandalism, report it to the police immediately. Get a police report, too.

Call your insurance agency immediately. Claims take some time, so it’s important to contact your insurance agent as soon as possible to get the ball rolling for coverage to kick in.

Make temporary repairs. Take reasonable steps to protect your property from further damage. As you buy tools for the repairs, save your receipts. You can then submit them to your insurance company for reimbursement.

Refer to your home inventory. You’re going to need to list what exactly you’ve lost in the disaster. Avoid throwing out damaged items until the adjuster has visited your home. Consider photographing or videotaping the damage. Get out your home inventory list for yourself, as well as a copy for your adjuster.

Store your receipts. If you have to move into temporary housing because your house is in devastation, keep your receipts. Many homeowners insurance policies provide coverage for the “additional living expenses” when your home is being repaired and rebuilt.

Fill out claims forms. Once your insurance company has been notified of your claim, the company will send you the right claims forms. Once you have filled in the forms, return them as soon as possible in order to avoid delays.

Have an adjuster inspect the damage to your home. Your insurance company will probably arrange for an adjuster to come and inspect your home. 

Coverage will begin once you and your insurance company reach terms of the settlement. Working with a reliable company that works to protect you is essential. For this coverage and dedication, contact North Central Insurance Agency to get started on your homeowners insurance in Elk River and surrounding areas of Minnesota.