Are You Ready to File a PA Home Insurance Claim?
Uh oh- the unexpected has arrived. If you experience any home damages or losses, it is important to file a PA home insurance claim as soon as possible. This way, you can have your home in tip-top shape before the holidays arrive!
Here are five steps to filing a claim:
#1: File immediately. Do not wait to contact your insurance provider. It is important to file right away to get this process started.
#2: Temporary fix. If the damages are really bad, it is okay to temporarily fix the issue if possible. However, if you fix it up too well, you may not receive as large of a check as you had hoped. Your best bet? Take pictures!
#3: Fill out the form. Once your provider sends over the claim form, fill it out ASAP and send it back. Be sure to make a copy for yourself, too! Documenting is everything.
#4: Make time for inspection. An adjuster MUST come to your home and examine the damages or losses. Be sure to make time in your busy schedule!
#5: Never settle. Always get a second opinion or price. With an estimate, the adjuster may be able to approve your claim much quicker.
As long as you follow this process, filing a claim will not take up too much of your precious time this season! If you are not happy with your insurer, it may be time to look into a new PA home insurance policy. A typical policy will cover: the physical structure of your home, liability, replacement costs, additional living expenses and personal possessions.
The last thing you need this holiday season is added stress!