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When it comes time to use your home insurance coverage, you must file a claim to your insurer.  In order to receive compensation as quickly as possible, there are a few steps you can take.  Having the right information and understanding your policy will help make filing a claim much easier.  The best thing you can do when filing a claim is to be completely honest.  This prevents having a claim denied.

Is the Damage Covered?

First, check your policy documents carefully to see if the damage to your home or property is actually covered.  Most policies are divided into section by the type of damage.  Each section includes details about what is and isn’t covered.  Trying to file a claim for something that isn’t covered is just a waste of time for everyone.

Find Contact Information

Some home insurance companies have a single contact number, website or email address for all claims.  Others have separate contact information for each type of claim.  Check your policy documents to ensure that you contact the right department.  This will help expedite the claims process.

Information to Include

When you file a claim, you must provide the claims adjuster with certain information.  You will need your home insurance policy number.  You will also need all details about why you are filing a claim and the date the damage occurred.

Claim Before Repairing

Always file a claim before having damages repaired.  In emergency situations, contact the emergency claims number, if available, to receive approval for repairs immediately.  You will be reimbursed later for the cost of repairs.