Klamath Insurance Center, Inc Blog
Companies across the country have been issuing work from home enforcements. And since no one is certain when the outbreak would end, or when it is safe to go out, as usual, people are spending more time within their homes. However, what happens when you will need to file a policy claim? Here is an updated guide to follow.
Inspect Your Home for Any Damage
Be sure to investigate the structure of your home first. Check the openings or walls if there is damage and would be needing repair. You could also try temporary repairs — save the receipts so you could be reimbursed. Do some documentation and descriptions of the incident and loss.
Know the Details
List out information as detailed as you can since it is required once you speak with your insurer. It would help you process the transaction quickly because you are prepared to answer initial questions. It could also be a report to hand the police if any crime is involved.
Contact Your Insurer
Immediately inform your insurance company and send out the details you have gathered. They would confirm if your claim is covered and included in the policy. After that, they would send you to claim forms that need to be returned promptly to avoid delays.
Prepare for the Adjuster
Once your claim has been processed, your company will be sending an adjuster, particularly to assess the damage or confirm other details about your report. Physical distancing is imposed on most areas, be sure to practice precautionary measures to be safe.
Receive Your Claim's Payout
The lender will check if all of the property is invested in before ensuring necessary repairs. Once your claim is approved, you and the adjuster would have to settle for an amount. They will send you the insurance payout or checks if you have a mortgage.
While a homeowner would potentially benefit from any favorable decisions that would succeed, they are responsible for submitting a claim once something happens. You have to remind yourself that understanding the policies while you protect yourself from the widespread coronavirus is a top priority during these trying times.
At Klamath Insurance Center, Inc., we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (541) 882-5555 or Click Here to request a free quote.