Every homeowner dreads the thought of having to face a disaster that destroys their home or properties. If you have never filed a home insurance claim before, you shouldn’t rest easy. You’re more likely to file one during your lifetime, so understanding the claim process is crucial. Perry Insurance Agency suggests the following tips to help you go through the claim process in Vernal, UT.

Understand your Policy

You should first understand your coverage limits and deductibles. This is critical when filing a home insurance claim. For example, if a flood damages your home and your policy excluded such risks, your claim will be rightly denied. Your deductibles will also affect how much cash you’ll pay out of pocket for the repair or rebuilding of your home. This can help you determine which repairs are urgent and which ones can wait for a later date.

Document your Damages

Whenever a covered loss occurs, document all the damages before you begin the cleaning or repair process. Take several pictures of the damages caused to your home or property, furniture, electronic devices, clothing, and so on. If you’re forced to make a few repairs before filing your home insurance claim, be sure to keep all the receipts. After filing the claim, the insurer will send an adjuster to assess the situation and provide an estimate of the damage. This can difficult to achieve after cleaning the home and carrying out repairs, so the photos and the documentation of the receipts will be of great help.

Understand your Rights to Dispute Estimates

Sometimes you may not agree with the insurer’s estimates. You have rights under your home insurance policy to dispute or appeal the procedure. One way to achieve that is by submitting a second estimate through a public adjuster that you can hire. A public adjuster works exclusively for you, unlike an insurer’s adjuster who works for the interest of the insurance provider. Additionally, the public adjuster will work with you through the entire claim process to ensure that you receive your full entitlement under your home insurance policy.

Perry Insurance Agency is an experienced provider of affordable home insurance policies in Vernal, UT and surrounding areas. If you have further inquiries about filing home insurance claims, call us today. We serve over 24 states across the country. But if you need a quote, use our online rating tool or stop by our Vernal, UT offices.