When unexpected damage happens to your home, you want to get it fixed as quickly and efficiently as possible. An important step to this process is making a claim to your insurance company so you can get compensated for the damages.
At Cornerstone Preferred Insurance, we understand that navigating your policy can be difficult, especially when you have so many other things to worry about. That’s why we’ve made a quick and easy guide to making a home insurance claim.
1. Report Crime
If you’re a theft victim, then the first step is to call the police. Don’t clean up the damage or touch anything until the police arrive and survey the scene. Their police report will be essential in making a claim to your insurance company.
2. Call Your Agent
Most insurance policies have a time limit for making your claim. Call your agent to get details on your coverage, such as:
- Home repair deductibles
- Length of processing time
- Rules for obtaining repair estimates
Your insurance company is required to send you claim forms after they’ve been notified that you need to make your claim. Once you receive them, you can fill them out ASAP to avoid any delays.
When you work with the insurance team at Cornerstone, you don’t have worry about calling your insurance carrier! All you have to do is get in touch with our amazing customer service team and we’ll help you out. As a small company, we are better equipped to help you with your needs than a large company who won’t know your name. That’s one of the major benefits of working with an independent insurance provider.
3. List Stolen or Damaged Property
Prepare a home inventory list of all goods that were stolen or damaged during the event. Take pictures or videotape the damage and then supply any receipts that you have. This is especially important for big ticket items such as electronics, furniture, jewelry etc…
4. Make Repairs As Needed
Protect your property from further damage as needed. Just make sure to keep receipts for everything that you spend so you can submit them to your insurance company for reimbursement. If you need to relocate because you are unable to live in your home, then make sure you keep a record of all your expenses.
5. Get Your Settlement
Once an adjuster comes to your home to inspect the damage, the insurance company will offer a settlement. You can choose to accept or appeal this settlement. If you have any questions about their offer, make sure to call your agent!
The Best Home Insurance Agents in Glendale and Santa Clarita
If you’re looking for the best home insurance in California, then make sure to call the insurance agents at Cornerstone Preferred Insurance. We’ll go the extra mile for your family to make sure that you have the best home insurance coverage at the most affordable price. As independent agents, we have access to a number of providers and can find you the policy that fits your specific needs.