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After a fire, storm, or vandalism attack, it can be stressful to have to file an overly complicated homeowners insurance claim. The compassionate agents at Chanler Agency in Geneseo, NY, help residents get through this trying period by streamlining the process through quality guidance. Here, they offer the following tips to simplify the claims process.

How to Make the Claims Process Easier

1.  Notify the Police

If necessary, file a police report. Doing so is often required before submitting a homeowners insurance claim if the loss is due to criminal activity, such as a burglary, theft, or vandalism.

2. Contact Your Insurance Company

Homeowners insuranceNext, get in touch with your insurer. Explain what happened and ask what you can do to expedite the process. Discuss your policy and clarify what losses are covered.

3. Take Photos

Take photos to document the damage. Maintain a written inventory of your personal belongings as well, so you can detail their quality and condition. If possible, include before and after images of your loss with the claim.

4. Collaborate With an Insurance Adjuster

The insurance adjuster is the representative who investigates the claim to determine whether the company is liable for damages and to what extent. You'll need to work closely with them to figure out the best way to replace your lost property and hire a contractor to make repairs.

5. Maintain Contact

Once the claim is filed, maintain regular contact with the insurance adjuster and contractors to keep the ball rolling. Ask if they’ve come to any decisions or when they expect to. Make sure the repairs are proceeding correctly and on time.

The steps above should help you file a homeowners insurance claim quickly and effectively and minimize the wait time before approval. To see if you can reduce your premiums or improve your coverage, contact Chanler Agency, an independent auto, home, and business insurance agency with locations in Geneseo and Livonia, NY. They’ve been family-owned-and-operated since their founding in 1973. Visit the website to request a quote, or call (585) 243-5520 to discuss your options.

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