Will my Claim Help Me Pay for All the Damages to my Home?

The purpose of a homeowner's insurance policy is to help cover your house in the case of a total loss. Also, the insurance is used to pay for damages that occur as a result of no fault of your own. In the case of significant damages, your claims should fully be covered by the insurance company if the destruction is directly related to an event that is out of your control. However, in order to be able to get money for your claim, you will have to provide proper documentation to the company to prove the damages. At the same time, it is important that you fully understand the specifics of your policy in order to minimize any misunderstandings and possible denied claims.

How Claims Work

A claim is a filing against your house insurance policy. Such policies are in place for this purpose, so that the company can help you make all necessary repairs to your dwelling. Claims are most often made following destruction related to natural disasters, such as fires, hurricanes or severe storms. Such scenarios can wreak havoc on your home and require multiple repairs to the structure, from replacing kitchen cabinets to needing new appliances or even a total rebuilding.

Once your claim is submitted to the insurance company, you will be expected to pay your deductible up-front before you are issued a check. The amount of your deductible is predetermined when you initially sign up for your homeowner's policy, and it cannot be changed when you are making a claim. Generally, a deductible amount is higher when you pay lower monthly premiums, while higher premiums equate to a smaller deductible. When you initially apply for coverage, it is important to realistically determine how much of a deductible you are able to afford at a moment's notice, and choose accordingly.

Another consideration is the amount of time you have to file your claim. Timeframes vary between companies, and a particular provider's stipulations are specifically outlined in the terms of your policy. The amount allotted can be several days, or up to a few weeks, but you should look for the specific deadline instead of assuming that you have a great deal of time to file.

Once your claim is approved by the insurance company, a check will be submitted to you for the repairs. In the meantime, you might consider affixing temporary solutions onto your home while you wait for the repairs. For example, if your home suffered both roof and interior damages that the company has agreed to pay for, you might consider placing a tarp on the top of your home.

What You Need

While following the rules to get claims for multiple damages to your home can help to speed up the process, you will still need to submit some evidence in order to make sure that your claims are not denied. More than one kind of damage to your home can send up a red flag to the provider, especially if you do not have adequate evidence for them. Make sure you take pictures of the damages as soon as possible, and also submit a police report when applicable. You might also consider resubmitting your inventory list, as well as outlining the items within your home that suffered significant damage.

The more evidence you have, then the more efficient the claims process works. This is especially the case if your home suffers multiple types of destruction. Your claim can ultimately help you pay for all of the damages to your home if you submit all of the necessary paperwork and photos in a timely manner.

safe secure

Enter your zip code for affordable home owners insurance quotes

GET QUOTES

What People Are Saying

"We found your site and changed policies after paying a huge deductible when a storm layed a tree in our living room. Our new deductible is almost 30% less and our monthly payment also went down. Thanks!"

- Sharon and Lewis K, St Louis MO