A reliable homeowners insurance policy can make all the difference in protecting you financially after disaster strikes. Dealing with the aftermath of a major property loss can be emotionally trying. Understanding the following steps you need to take to file your claim can give you some guidance and peace of mind as you start the recovery process.

Top 3 Steps for Filing a Homeowners Insurance Claim

1. Report the Incident

You should contact your insurance provider right away to report your claim. The sooner they learn about the incident, the sooner they can provide an insurance adjuster to help you. Issues like a break-in should also be reported to the police. The police report will likely be needed as evidence for such claims.

2. Document the Damage

Regardless of the type of incident that you’re dealing with, you should fully document the scope of the damage with photos or videos. Write down all important details related to the incident, including the date and time, and a written list of your destroyed or damaged items. Keep records of even the smallest issues that arose from your incident, including the need to stay in temporary housing. Every little bit adds to the amount you will receive from the insurance company.

3. Work With Your Adjuster

Your insurance adjuster will serve as your main point of contact for processing your claim. Provide all the paperwork and information they need so they can generate an accurate estimate. They will often help you find temporary housing or choose a contractor for home repairs. Keep in touch regularly so they can provide prompt results.

If you need help choosing homeowners insurance or another insurance policy, contact Robert Rung Insurance in Lincoln, NE. This independent insurance agency provides personalized service and one-on-one communication to help you find the right coverage for your needs. To learn more about how their experienced team can help you, visit them online or call (402) 483-2279.