No one wants their home to get damaged, but the risk is always there. That’s why people get homeowner’s insurance, but it’s a product that people hope they never have to use. No matter what happens, you need to know how to file a successful claim, and you should avoid certain mistakes that can cost you both time and money.
When You Need to File a Claim
Every home insurance policy has a deductible, and it should be taken into consideration before you file a claim. Smaller issues (what many insurance companies call “incidentals”) won’t meet your deductible, and they can give them a reason to raise your rate. You should think twice before you file a claim on these types of issues because it can raise your overall insurance cost. Every claim you file is recorded in a database, and making too many within a certain period could cause insurance companies to flag you as high risk.
If you live in Buford, GA, Town & Country Insurance can help you find a home insurance policy that will meet your specific needs, and we can help you with the entire claims process. Be sure to contact us so we can answer any questions you may have. We would be glad to serve you!
What to Expect from the Adjuster Inspection
Once you’ve made a good assessment of the damage, you will have to present it to the insurance adjuster. He or she will make sure that nothing has been overestimated or that any important details have been missed. You should be careful what you say to the adjuster because this person represents the insurance company, and he or she will look for any reason to reduce the cost of the claim. Be ready to fight during the entire process, and make sure you take plenty of pictures so you can have a documented record.
If you need help filing a claim on a home insurance policy you’ve signed with us, Town & Country Insurance has a team of agents that can help you throughout the entire process. We have been meeting the needs of the residents of Buford, GA for a long time, and we have a reputation of getting results for our clients. Be sure to get in touch with someone at our office, and we would be happy to speak to you about all your insurance needs!