Making a Claim on your Home Insurance
1/6/2012 1:50:00 PM
The trauma of dealing with something like a burglary or house fire can make it very difficult to think clearly, at a time when you will be required to answer questions, cope with police and emergency personnel, and organize a claim on your Pennsylvania home insurance policy. Getting through the initial stages efficiently is important so that you can get things back to normal. Making your insurance claim as early as possible may help you get access to funds to start repairs or replace lost items.
Things to remember to help you with your claim can include:
1. Hold onto a copy of the police report as you will need to include it with your claim – put it in a safe place.
2. Take photographs of any damage.
3. Include photographs and/or valuation certificates of any stolen or damaged items with your claim as it may help to establish the value for replacement costs.
4. Get some quotes from contractors for repair work so your insurer knows the likely costs you will incur.
5. Where immediate repairs are required to prevent further loss or damage, make or arrange them as soon as possible to limit any further damage.
6. Keep receipts for any temporary accommodation you may need if your house is not in livable condition.
Things to remember to help you with your claim can include:
1. Hold onto a copy of the police report as you will need to include it with your claim – put it in a safe place.
2. Take photographs of any damage.
3. Include photographs and/or valuation certificates of any stolen or damaged items with your claim as it may help to establish the value for replacement costs.
4. Get some quotes from contractors for repair work so your insurer knows the likely costs you will incur.
5. Where immediate repairs are required to prevent further loss or damage, make or arrange them as soon as possible to limit any further damage.
6. Keep receipts for any temporary accommodation you may need if your house is not in livable condition.
Now could be the time to familiarize yourself with the terms and conditions of your policy, and with the extent of your coverage before you ever need to claim. Call your Pennsylvania home insurance agent if you need further advice on making a claim or if you feel you need to improve coverage.
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