How to File a House Insurance Claim
Don't let insurance companies take advantage of you. Learn the proven strategies to file your claim correctly and maximize your settlement.
The 7 Critical Steps to File Your Insurance Claim
1
Document Everything
Take photos and videos immediately. Document all damage, create detailed lists of damaged items, and keep all receipts.
2
Contact Your Insurer
Notify your insurance company within 24-48 hours. Get a claim number and keep detailed records of all communications.
3
Prevent Further Damage
Make temporary repairs to prevent additional damage. Keep receipts for all emergency repairs and materials.
4
Meet the Adjuster
Be present during the adjuster's inspection. Point out all damage and provide your documentation. Don't accept the first offer.
5
Get Multiple Estimates
Obtain at least 3 repair estimates from licensed contractors. This gives you leverage in negotiations.
6
Review Settlement Offer
Carefully review the insurance company's settlement offer. Don't sign anything until you're satisfied with the terms.
7
Consider Professional Help
If you're not satisfied with your settlement, consider hiring a public adjuster to fight for your rights.
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