Basic Rules to Follow When Filing a Homeowners Claim.
Many people don't know the steps into filing a claim and how it could affect them. When a disaster hits, some people first reaction is to call their insurance agent to file a claim or either file a claim on their app. Sometimes their deductible may higher than the damage itself. It is best to get an estimate from a restoration company like SERVPRO of Duluth before you call to file a claim.
Here are some basic rules to follow when filing a claim:
- Check with your agent or assigned adjuster to verify you’re covered for the claim.
- After heavy rains and hurricanes, many homeowners think they have flood insurance. Traditional homeowner’s insurance does not cover water damage caused by floods. It is a separate coverage underwritten by the federal government through the National Flood Insurance Program.
- If you file a claim with your insurance company for something that isn’t covered, the claim itself doesn’t go away from your record.
- If you’re a consistent claimant, your rates are going to be high. It isn’t unusual for a homeowner to file up to two claims in a 10-year period, but more than one or two in a three-year time span and the insurance company will think you’re a high risk.
- Don’t submit claims if it's something to deal with home-maintenance. (small incidents) Also, a better maintained home gets better premiums.
- Call a restoration company like SERVPRO of Duluth to provide free assessment on your damages. They will let you know if the damage is less or more than your deductible. Based on their estimates, you can decide whether to file a claim.