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Atkinson's Step-By-Step Guide to Filing a Home Claim

There are so many questions that come to mind prior to filing a home insurance claim. And that alone is stressful enough. How will this affect my insurance policy? Will my premium increase? Who do I call? Is it even necessary to file a claim? Will this be covered under my insurance policy?

We’re going to go step-by-step to make this process a little easier to understand, that way, if you’re ever in this unfortunate situation, you’ll be prepared and know just what to do.

 

STEP 1: WHAT IS YOUR DEDUCTIBLE?

 Standard deductibles are $500 or $1000, but they can go as high as $10,000. Prior to filing a home claim, you want to make sure the damage or cost of repairs is significantly higher than your deductible. Filing a claim for a $100 loss when you have a $500 deductible would be denied by the claims department. If you file a claim, even if there is a $0 payout, a claim history will now exist. Therefore, understanding your deductible is very important.

 

STEP 2: CALL A CONTRACTOR.

Before filing a claim, it’s a good idea to have someone examine the possible damage. That way you can find out the cause, the extent of damage, and the cost of repairs. This will answer your deductible question above, and you’ll know whether it’s necessary to file the claim.

 

STEP 3: HOW DO I FILE A CLAIM?

There are a few options here.

  1. Call our office. We can answer any questions you may have regarding your possible claim, and then we can file the claim for you.

  2. Call your insurance provider. You can call your insurance company’s claims department directly, where they will file the claim over the phone with you.

  3. File online. We have each of our represented companies’ links available on our website. With most of our carriers, you’re able to file online.

 

STEP 4: WHAT TO EXPECT AFTER I FILE.

A claim number will be provided to you for the filed claim. Post-filing, an adjuster will be assigned and contact you within 24-48 hours to schedule an appointment to examine the reason for the claim. From there, all questions on your claim will be directed to your adjuster.

Remember to take lots of pictures from the very beginning. Save all invoices and all receipts to pass along to your insurance company for reimbursement.

 

STEP 5: WILL MY RATE INCREASE?

It depends. There are many factors that go into this question. How big was the payout? The reason for filing. Do you already have a claims history? This question will be answered at your renewal.

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