Home Insurance Claims, What To Do
When a NJ disaster strikes, whether it’s a fire, storm, or burglary, your home and belongings can suffer significant damage. In such unfortunate circumstances, knowing what to do after a disaster is crucial. This Bogle Agency Insurance blog post will guide you through the necessary steps to take after a disaster strikes and how to navigate the home insurance claims process smoothly.
Home Insurance Claim Step I: Assess the Safety of Your Home
After a disaster, the safety of you and your family should be the top priority. Before entering your home, ensure that it is safe to do so. Check for structural damage, gas leaks, electrical hazards, or any other potential risks. If you suspect any immediate danger, contact the appropriate authorities or professionals for assistance.
Home Insurance Claim Step II: Contact Us, Your Agent, or Your Insurance Company
As soon as it is safe to do so, contact us @ (201) 939-1076 or your insurance company to report the incident.
Provide Bogle Agency Insurance or your company with the essential details about the disaster, including the date, time, and nature of the event.
Take note of your policy number and keep it readily available for reference.
Bogle Agency Insurance or your insurance company will guide you through the claims process and provide instructions on the next steps.
Home Insurance Claim Step III: Document the Damage
To support your insurance claim, thoroughly document the damage to your property.
Take photographs or videos of the affected areas, including any personal belongings that have been damaged or destroyed. Make a detailed inventory of damaged items, including their approximate value, purchase dates, and any relevant receipts. This documentation will help ensure that you receive the appropriate compensation for your losses.
Step Iv: Mitigate Further Damage
It is your responsibility as a homeowner to take reasonable steps to prevent further damage to your property.
If safe to do so, take immediate action to mitigate any additional harm. This may involve covering broken windows, tarping damaged roofs, or drying out water-damaged areas. Keep records of any expenses incurred during the mitigation process, as they may be reimbursable under your insurance policy.
V: Work with Your Insurance Adjuster
Once you have reported the incident, your insurance company will assign an adjuster to evaluate the damage.
Cooperate fully with the adjuster and provide them with all the necessary documentation and information. Be present during their assessment to ensure that all damages are accurately documented. Maintain open communication with your insurance company and ask questions if you are unsure about any aspect of the claims process. Call us if you have any questions.
VI: Keep All of Your Documents For Your Claim
After filing your claim, keep a record of all communications with your insurance company. Stay organized by keeping copies of all correspondence and claim-related documentation. Call us if you need assistance.
VII: Take Care of Yourself and Your Family
Dealing with a home disaster can be emotionally and physically draining. Remember to prioritize self-care and seek support from family, friends, or counseling services if needed. Take steps to restore your well-being and create a sense of normalcy for yourself and your loved ones.
