How Much Evidence do I Need to Make a Claim?

Making a claim helps to ensure that you get the money you need to pay for damages to your home, such as replacing a damaged window. Claims are also necessary for replacing personal items if your house is burglarized. In order to make the claims process move quicker, you need to provide as much evidence as you can to your insurance company so that they can get you the funds they need. As a rule of thumb, you need to provide all of the details that you have available. If there is a lack of evidence, then the company treats this on a case-by-case basis. The amount of time it takes for your claim to fully be processed depends on a number of factors, so it is important that you remain patient and cooperate with the provider at all times.

Filing Your Claim

When damage or theft strikes your home, it is imperative that you make a claim right away. Submitting a claim involves providing evidence for the circumstances, which often involves taking pictures. Also, the more information you provided during the initial application process, the easier the claims process generally is because the company already has a bird's eye view of your home. You will also want to have an inventory list handy and compare your new one with the one that you initially supplied the company with--this way they can see the differences clearly.

In some cases, you will also need to file a police report with your claim. Such evidence is likely required for cases of theft, vandalism and arson in order to protect the company against insurance fraud. This is not commonly required with accidents associated with natural disasters, such as fallen tree limbs or lightning damage.

Submitting a claim in an untimely fashion can result in causing a red flag. By waiting too long, the damage can worsen, and then the insurance company will end up having to pay for unnecessary costs on top of the initial repairs. For this reason, most companies have a timeframe stated in their policies for when claims can be made. The amount of time varies by company, so it is crucial that you understand this information in advance so that you know what to do when it is time to file a claim.

Upon filing your claim, you will also be expected to pay your deductible. Deductibles vary between policies, but the amount you pay is agreed upon in advance when you initially signed up for your homeowner's insurance coverage. Before you get any type of monetary disbursements from the company, you must pay your full deductible first.

What to Expect

One of the most frustrating parts of the claims process is the waiting game. Once you file your claim, you should know that the insurance company's team of experts will work on it as quickly as possible. Unfortunately, if they are contending with multiple claims in your region due to a natural disaster, then this process can take a little bit longer. Know that the company will be in touch with you, but you may also contact them if you do not hear anything for several days.

In some cases, the insurance company's claims department might require additional evidence in order to process your information. This can be in the form of more photographs or paperwork, or the company might even send a professional agent to your home for further evaluation. Do not be offended if the company needs more information, because the more evidence they have, then the quicker you are able to get the money you need.

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