Situations in which you should file a homeowners insurance claim.
Just because you have homeowners insurance doesn’t mean that you want to access your coverage. However, there are certain situations in which it’s better to file an insurance claim than pay for damages out of pocket. Here are some of the circumstances under which you should call your home insurance provider.
Your Home Sustains Major Damage
If your home experiences a major emergency, such as a tree falling through your roof or a pipe bursting and causing major water damage, then you need to contact your agent. The sooner you call, the sooner you can begin the claims process and receive the coverage that you need to address your losses.
Someone Injures Themselves on Your Property
While you don’t need to call your insurance provider for every stubbed toe and paper cut that takes place in your home, you should get in touch with your agent if a guest sustains a more serious injury. This is because your homeowners insurance offers coverage for medical expenses. By calling your insurer, you can access this coverage, ensure that your guest gets the immediate medical attention that they need, and make your claims process proceed more smoothly.
You’ve Become the Victim of Robbery or Vandalism
If your home has been broken into or vandalized, then the first call that you should make is to the police. After you’ve reported the incident and the police are on the way, you should call your home insurer. The property portion of your coverage will help you address any damages to your home, and your personal property coverage will help you replace the belongings that were stolen during the incident.
These are some of the situations in which you should contact your home insurance provider. Do you have further questions regarding your home coverage needs? If so, then contact the experts at Gant Insurance Agency. We are ready to offer our assistance today.