What You Need to Know About Homeowners Insurance Claims

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No one ever expects to have to file a homeowners insurance claim. But, as many homeowners have learned, sometimes things happen that are out of our control. Whether it’s severe weather, a fire, or a break-in, sometimes we need to rely on our insurance to help us through a tough situation.

If you’ve never filed a homeowners insurance claim before, the process can seem a bit daunting. But it doesn’t have to be. Here are a few things you should know about the claims process :

1. You should always contact your insurance company as soon as possible after an incident .

2. Your insurance company will likely send an adjuster to assess the damage .

3. You may be required to submit documentation , such as a police report or estimates from contractors .

4. Once your claim is approved, your insurance company will issue a payment .

5. You may be required to pay a deductible , which is the amount of money you are responsible for paying out -of-pocket .

While the claims process can be a bit overwhelming , it’s important to remember that you have a team of professionals on your side who are there to help you through it .
 
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