Homeowners insurance covers damages and losses involving your home, such as fire damage, vandalism, and theft. When you file a claim, you can increase your chances of getting the assistance you need by following these three tips. 

How Can You File a Successful Homeowners Insurance Claim?

1. Report Immediately 

The sooner you report the damages to your insurance company, the sooner you can get compensation. Provide as many details as you can so that the insurance adjuster can accurately assess the damages. For all situations, you’ll need to disclose where and when the incident occurred and the contact information of all the individuals involved. You’ll also need to provide other details depending on the specific situation. For instance, for a tornado or other natural disaster, you’ll describe which parts of your home were affected and which items were destroyed, along with the items’ prices and dates of purchase. For a theft, you’ll list all of the items that were stolen, their prices, and their dates of purchase. If possible, provide receipts for all affected items.

If the incident involved a crime such as a burglary, report it to the police as well. This report will count as evidence for your claim. 

2. Take Pictures 

Photo and video documentation are more clear and concrete than a written or oral account. Thus, it boosts your chances of a successful claim. Capture any physical damages to your home or possessions. If your home was burglarized, capture the areas where your items used to be. Document these damages or losses as soon as possible (if they happen at night, wait until the morning, so you have proper lighting) and from numerous angles so your evidence is thorough. 

If damages have yet to occur, create a list of all the items covered in your insurance policy, and take pictures of them. When disaster strikes, you’ll be able to prove you owned these items. The insurance adjuster will see their original condition and the extent of the damage.

3. Submit Paperwork

If you fail to submit paperwork on time, the insurance company is far more likely to deny your claim. The required paperwork may include an inventory of damaged or lost property, a written account of the damages, and receipts for repairs. In addition, if the damages forced you to leave your home, submit receipts for your lodging expenses because your policy may cover these costs. Ask your insurance company for confirmation or receipts for the paperwork you submit so you can avoid disputes over if or when you submitted it.

Are you searching for affordable homeowners insurance that meets all of your needs? Turn to the team at Zimmerman Insurance Agency. Based in High Point, NC, they’ve been helping residents of Guilford County and the surrounding areas protect their homes for over 50 years. They also offer business, motorcycle, and car insurance. Learn more about the family-owned, locally operated agency online, and call (336) 883-6512 to request a quote.