Before You Buy An Insurance Policy
- Complete a home inventory list with descriptions & photographs of your property & contents.
- Take notes for future reference, as the agent explains the proposed coverages to you.
- Read the proposed policy. Understand key terms (Deductible, Exclusions, Limitations, Riders)
- You will need a separate policy for jewelry,artwork, antiques, collectibles, firearms, and furs,
- Complete the application form thoroughly.
When You Have A Claim
- Review your policy and notes.
- Promptly notify your insurance agent of the loss.
- Do not exaggerate information.
- Keep a log of all correspondences with the insurance company & agents.
- Provide evidence to prove your claim (Your Home Inventory List).
- Make copies of all documentation forwarded to your insurance company.
- Get your own estimate of the loss.
- Do not submit to an examination under oath without legal council.
- Do not sign a check or release until you are satisfied it is fair.
- Do not make permeant repairs until an insurance appraiser inspects your home.Your claim might be denied.
- You can make temporary repairs to protect your home from looting and other damage.
- Be present during the insurance adjuster’s inspection and take notes. You may want your own contractor present to represent your interests.
- After a major claims event (Disaster/Storm). Public adjusters offer help with insurance claims for a percentage of your insurance claim. You are not required to hire a public adjuster.