How to claim on your home insurance policy

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How to claim on your home insurance policy

Posted On : Jul-09-2009 | seen (913) times | Article Word Count : 408 |

If your home has sustained damage or been burgled, then the first thing you have to do is notify the insurance company, and the police if necessary.

If your home has sustained damage or been burgled, then the first thing you have to do is notify the insurance company, and the police if necessary. Let your insurance agent know roughly what has happened to your property, and then they will talk you through the next steps that you have to take. Keep the name and telephone number of your insurance agent on your person, so that you can contact them at any time.

Make a written record of all communications with your insurance agent that pertain to the claim. This may turn out to be useful if you have to enter into a dispute later on. Use a digital camera or cameraphone to take pictures of all the rooms in your home, as well as close ups of any damaged parts of your property.

1. It is also a good idea to keep a written record of everything that is damaged or missing, and keep this about your person so that you can add to it if you notice anything else that is missing or damaged.

2. You should also keep a written record of anything that you notice, and keep both this written record and the pictures handy so that you can add to it in the event that you notice anything else.

3. Go around the property with everyone that lives there and take note of anything that anyone notices is missing or damaged. If your policy includes new for old replacement cover, then you will be entitled to brand new replacements for your old items, so even if something was on its way out, such as an old sofa or TV, be sure to mention it.

4. Processing an insurance claim can take a bit of time, so you may have to be patient. Insurance companies tend to deal with claims on a priority basis, so that the cases of people with severe property damage are heard first.

5. Now, all you have to do is wait. Insurance claims can take a while to get through, and are handled on a priority basis, so that people who have sustained more severe damage to their property are handled first.

If you are not allowed or are unable to use your home, then you may be entitled to money for alternative accommodation while your claim is being processed if your policy includes loss of use coverage.

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<h1>How to claim on your home insurance policy </h1> Author: <a href='http://www.articleseen.com/profile_Foster Carr.aspx'>Foster Carr</a> If your home has sustained damage or been burgled, then the first thing you have to do is notify the insurance company, and the police if necessary. Let your insurance agent know roughly what has happened to your property, and then they will talk you through the next steps that you have to take. Keep the name and telephone number of your insurance agent on your person, so that you can contact them at any time.

Make a written record of all communications with your insurance agent that pertain to the claim. This may turn out to be useful if you have to enter into a dispute later on. Use a digital camera or cameraphone to take pictures of all the rooms in your home, as well as close ups of any damaged parts of your property.

1. It is also a good idea to keep a written record of everything that is damaged or missing, and keep this about your person so that you can add to it if you notice anything else that is missing or damaged.

2. You should also keep a written record of anything that you notice, and keep both this written record and the pictures handy so that you can add to it in the event that you notice anything else.

3. Go around the property with everyone that lives there and take note of anything that anyone notices is missing or damaged. If your policy includes new for old replacement cover, then you will be entitled to brand new replacements for your old items, so even if something was on its way out, such as an old sofa or TV, be sure to mention it.

4. Processing an insurance claim can take a bit of time, so you may have to be patient. Insurance companies tend to deal with claims on a priority basis, so that the cases of people with severe property damage are heard first.

5. Now, all you have to do is wait. Insurance claims can take a while to get through, and are handled on a priority basis, so that people who have sustained more severe damage to their property are handled first.

If you are not allowed or are unable to use your home, then you may be entitled to money for alternative accommodation while your claim is being processed if your policy includes loss of use coverage. About the Author: 
Whatever you call home, whether it’s a three-bedroom semi, or a penthouse apartment, Kwik Fit's panel of leading insurers find you the best price for <a rel="nofollow" href="http://www.kwik-fitinsurance.com/home/home-insurance.html">home insurance</a>.

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Whatever you call home, whether it’s a three-bedroom semi, or a penthouse apartment, Kwik Fit's panel of leading insurers find you the best price for home insurance.

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Category : Finance : Insurance

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