The process for filing a homeowners insurance claim is relatively simple. To get help filing a claim or to learn more about the process, contact us.

What Happens When You File a Homeowners Insurance Claim?
When you file paperwork for a homeowners insurance claim, the process begins. A claims adjustor reviews the information you provided and may come out to inspect the damage.

Before filing your claim, make sure to take photos or get video footage of the damage. Don’t throw away damaged items until your claim is approved.

Even before the insurance company provides you with a settlement check or agrees to pay for necessary repairs, you are responsible for taking any necessary precautions to prevent further damage. For example, if your roof is damaged, you may need to place a tarp over the damaged portion to prevent water damage until repairs are completed.

What if You Need to Move Out After Your Home Is Damaged?
Your homeowners insurance policy may include coverage for additional living expenses (ALE). If your home is uninhabitable after a covered incident or accident and you have ALE coverage, the insurance company helps cover costs related to relocating your family until repairs are completed. Your policy may include dollar amounts and time limits for ALE coverage.

How Long Does It Take to Settle a Homeowners Claim?
The amount of time it takes to settle your homeowners claim depends on the extent of the damage, your insurance company’s internal processes, and how quickly you can finish repairs.

One of the benefits of working with an independent insurance agent is that they can help you navigate the claims process to get your home back to normal as quickly as possible.

When Should You File a Homeowners Insurance Claim?
Before filing a homeowners insurance claim, talk with your agent to ensure your policy covers the damage. If so, consider the cost of repairs and your deductible.

Your agent can help you figure out which expenses may be covered, including restorations, repairs, rebuilding, and additional living expenses if you need to relocate temporarily.

Contact Your Agent to Get Help Filing a Homeowners Insurance Claim
If you think you may need to file a homeowners insurance claim, contact your agent as soon as possible. For any other questions about your homeowners policy or to get a quote for new coverage, contact RCU Insurance Services today.

Learn more about homeowners insurance.