How do I make a claim?
First, make sure to review your policy thoroughly so that you know exactly what coverage you have. If you need to add extra features to protect other aspects of your home, be sure to do that from the outset.
Second, keep your receipts. For every item you have insured or any upgrades to your home, always have your receipts available to show its value.
Third, after a perilous event, be sure to take pictures and document everything that happened. If you have security camera footage, it’s best to have these saved and ready for use as evidence when filing your claim.
Fourth, file your claim on time. Don’t wait until the following hurricane season to file a claim on a roof that was destroyed the year before. Always file in a timely manner so that your claim can be dealt with more quickly and efficiently.
Fifth, get independent estimates, even if your insurer arranges this on your behalf. You want to have as many options as possible so that you can get the highest payout for damage to your property.
Sixth, do your due diligence to keep up your home maintenance. Do your home inspections and repairs on time, so that you can limit the chances of having a disaster from a faulty step, leaking pipe or a damaged electrical wire.