How To File a House Insurance Claim

Do you know how to file a house insurance claim? This video will explain not just how to make a claim, but how to prepare before a claim.

Save receipts of your personal belongings. Take pictures and videos of your contents. Upload the pictures online to your email. If any of those items are damaged, you will have proof that they were in your home.

If your home or property is damaged, do all that you can to prevent further damage. Take pictures or videos of the damage. If your home has water damage, you must move quickly. If you have paid for services to help you prevent further damage, save the receipts. The next step is to call your insurance agent.

Ask yourself, "Is this covered under my homeowner's insurance policy"? If your home is damaged by wind, you would have to have wind insurance to cover the damages. If your house is damaged by flood, you would need flood insurance to cover the damages. Another question to ask is, "Does this meet my deductible?" The amount of damage done must cost more than the deductible on your policy.

SHOULD you make a house insurance claim? Your rate may increase in the following years. It might not make sense to file a claim that will only get you a few hundred dollars if it will increase your cost of insurance. Every claim you file potentially goes on a CLUE report. Information from CLUE reports shows what your claim was and how much it cost the insurance company. Depending on what caused the property damage, you may face increased rates or denial of insurance due to bad claim history.

For more info, go to heritageins.net/claims/