If you own a home, you also must have a homeowners insurance policy. If you are an especially lucky homeowner, it is possible you have never needed to file a homeowners insurance claim. This does not mean that having home insurance isn’t worth it for you, it simply means you are incredibly fortunate.
Homeowners insurance is incredibly valuable whether you have to file a claim or not. The protection provides for your valuable items, home, and bank account is priceless. If you are in the market for purchasing homeowners insurance in Springfield, Ohio, or want to review your current policy, contact our team at Link-Hellmuth Insurance.
If you are one of these lucky people, you may be unfamiliar with the process of filing a home insurance claim or maybe you are in the process of doing that right now.
Let’s take a look at how your homeowner’s insurance claim would be processed through your insurance company.
Step 1: Report Your Claim
The best practice is to report your claim as soon as possible after the incident. This allows all the information to be fresh in your mind and gets the process started quickly. You can usually report a claim online or over the phone. We can help you with any quotations you may have around reporting your claim.
Step 2: Converse With Claims Professional
Once your claim has been submitted, your insurance company will assign you a claim professional. They will reach out to you to gather the details of the claim and incident.
Step 3: Claim Evaluation
The claims professional will then likely initiate a claim evaluation. They may need to come to assess the damage that has been done to your house or valuables. It can be helpful if you have kept a written record and taken pictures of the incident or damage.
Step 4: Resolution
Depending on your claim, you could receive payment in full for the damages that occurred. For more complicated incidents, receiving payment could take longer. As your agent, we can help you monitor the process until resolution is reached.
Step 5: Claim Closure
Once a resolution is reached, the claim will be finalized and closed. You can also contact our team at Link-Hellmuth or your claims professional if you have any further questions at this point.
As your insurance agents, we are always available to help you through this process. It is our role to help you communicate with your claims professionals and navigate the claims process. Whether or not your claim is paid or resolved in the way you hoped for, will ultimately depend on your coverage and the details of the incident. We have seen, however, a few things you can do to help the process go smoothly and potentially go in your favor.
- File claim promptly
- Keep claim number and contact info handy
- Meet deadlines
- Submit all required forms
- Respond promptly to queries
- Attend inspections of the damage
Working With a Trusted Insurance Agent
A home insurance claim can feel like a complicated process. For this reason, we do the best we can to help the resolution go in your favor today.
If this has you thinking about your home insurance coverage, give us a call to ensure you are fully covered.