The question "how do home insurance claims work?" Is prevalent among homeowners in Baton Rouge, LA. Well, probably because many of us have been lucky enough to have safe homes, even after paying insurance premiums every month. Unfortunately, accidents can happen which may prompt you to fill a claim on your home insurance policy, and you probably don’t have an idea of how to go about it.
When you purchase your home insurance with Cordell Insurance, we make sure that the process is as comfortable as possible, because we know you already are messed up enough. There are three fundamental steps to filing a claim. They include:
1. Report the incident to the relevant home insurance provider. This is where you’re making a claim officially. You will be required to fill out a form either online or through a phone call and receive a claim number.
2. Your home insurance company will appoint a few claim adjusters who will come, asses the damage, prepare emergency repairs, and determine the amount the insurance company will compensate. This will depend on whether you want the repairs and replacements done or you will get the money and do it yourself.
3. Depending on the agreement you made, the company will send you a check or directly deposit the money to your bank account, and you’re good to go!
Note that if you’ve not reached your deductibles, the amount will be subtracted from the claim. Keep in mind that home insurance claims are unique for every claimer and there are other many factors that affect the whole process, as some companies have to conduct thorough investigations.
Licensed agents from Cordell Insurance in Baton Rouge, LA can help you not only get the best coverages at reasonable rates but also make your claim procedure as easy as possible. For quotes or new policy, discussions call us or visit us today