Helpful Tips When Filing a Claim

When filing a claim, your insurance agent or Company Claims Representative will be able to answer specific questions you have about the claims process. In the meantime, below are some helpful tips for customers filing claims.
DO NOT MAKE PERMANENT REPAIRS:

Cover roof and valuables to prevent more damage.

Make only temporary repairs, those designed to protect your home from further damage, before a claims representative’s inspection.
KEEP RECEIPTS:

Keep receipts for temporary repairs made to protect your home from further damage. If you are unable to live in your home as a result of the damage, keep receipts for any costs incurred for additional living expenses (lodging, meals, etc.).
INVENTORY ITEMS:

 Inventory your damaged items. Include photographs and any information you have about them, such as manufacturer, model and year purchased.
KEEP DAMAGED ITEMS:

Until the claims representative’s inspection, do not discard damaged items. If the items must be disposed of due to safety hazards, be sure to take photos or video footage showing the damage.
USE ONLY LICENSED CONTRACTORS:

Inventory items in home prior to a loss.

When requesting bids for repair work, use only reputable, licensed contractors. Provide photocopies of all estimates and bids received to your claims representative, as available.
REPORT THEFT OR BURGLARY TO THE POLICE:
Before contacting your insurance agent or claims office, report theft or burglary to the police.
WATER LEAKS:

Contact a plumber to determine the source of the water leak. Your insurance agent or claims representative can recommend a water extraction company to assist with clean up and help prevent further damage.

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