As a renter, numerous events can damage your property or cause financial loss, including burglaries, fires, or acts of vandalism. Fortunately, renters insurance policies are designed to cover many forms of damage, as well as provide legal support if you’re found liable for an incident. Before you can receive coverage payouts, you’ll need to file a claim with your insurance company. Here is a guide to help you navigate the process of filing a renters insurance claim.

How to File a Renters Insurance Claim With Your Coverage Provider

1.  Prevent Further Damage

To prevent further damage and minimize the complexity of your claim, take immediate steps to address the source of damages. For example, you might shut-off the water supply to a broken pipe or place plywood over a cracked window.

2.  Inform Your Landlord

Tell your landlord about the incident as soon as possible. In some cases, the loss may be covered by their property insurance. Even if it’s not, they should know about the damage so they can take the appropriate steps to ensure your living environment is safe and secure.

3.  Call Law Enforcement

If an incident involved criminal activity—such as arson, burglary, or vandalism—contact the local authorities. Law enforcement officials will file a police report when an investigation is opened. This information will help support any insurance claims you file with your provider.

4. Review Your Policy

Check the specifics of your policy to make sure any losses are covered. Damages related to certain events may not always be covered by standard renters insurance, including damage from floods and earthquakes.  

5. Document Losses

Create a list of all damaged or lost property that you may want to have covered by your claim. If you pay for repairs, save the receipts. Take photo and video evidence of the scene to help support your claim.

6. Notify the Insurance Provider

Call your renters insurance company and inform them of the incident and related losses. Insurance professionals are well-versed on policy coverage and procedures, so they will help process and file your claim in the most efficient manner.

7. Meet With an Adjuster

In some cases, the insurance company may require you to meet with an adjuster. These specialists will come to your home to review damages and calculate cost estimates for your losses. This verification will determine how much compensation you’re owed to replace or repair your belongings.

To purchase an affordable renters insurance policy, turn to Northern Kentucky Home Insurance Company. This insurance agency is based in Alexandria, KY, and their team will work with you to prepare a policy that fits your specific needs. They are happy to answer your questions to ensure you understand what is and isn’t covered under your policy. These compassionate professionals will be with you every step of the way to ensure your claims are handled properly. Learn more about their products and services online. Call (859) 635-2500 for a free quote.