Filing a Scranton Home Insurance Claim
December 3rd 2011 06:33
After years of paying your homeowners insurance premiums, you finally need to file a claim. You may think it is as simple as making a phone call, but it is usually a lot more complicated than that. Here are a few tips to filing a Scranton home insurance claim and getting approved.
The number one thing to remember is not to wait. File a claim as soon as you can after the damage occurs. Failing to do so is a ‘red flag’ to an insurer – a red flag is a possible indication of fraud. A couple of red flags and you claim could be delayed while it is investigate. Don’t start off on the wrong foot – lodge your claim quickly even if you are not in desperate need of the money involved. Always document the damage right away. You should take pictures or make a video of the affected areas of your home. Be sure not to toss out any damaged items before the insurance adjuster looks them over. Doing so could prevent you from getting compensated for the loss.
Before filing a home insurance claim, make sure it is really worth the hassle. A lot of claims can affect your premiums when it is time to renew. Where repairing or replacing an item would cost little more than your deductible, you may be better off taking care of it all yourself.
The number one thing to remember is not to wait. File a claim as soon as you can after the damage occurs. Failing to do so is a ‘red flag’ to an insurer – a red flag is a possible indication of fraud. A couple of red flags and you claim could be delayed while it is investigate. Don’t start off on the wrong foot – lodge your claim quickly even if you are not in desperate need of the money involved. Always document the damage right away. You should take pictures or make a video of the affected areas of your home. Be sure not to toss out any damaged items before the insurance adjuster looks them over. Doing so could prevent you from getting compensated for the loss.
Before filing a home insurance claim, make sure it is really worth the hassle. A lot of claims can affect your premiums when it is time to renew. Where repairing or replacing an item would cost little more than your deductible, you may be better off taking care of it all yourself.
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