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Tag: insurance claim

22 Dec
2020

5 Common Mistakes People Make on Homeowner’s Insurance Claims

by InsuranceHub | in Home Insurance
5 Common Mistakes People Make on Homeowner’s Insurance Claims

Having home insurance is a must, to protect your most valuable asset, your belongings and your financial future. While most people have home insurance coverage, many make costly errors when it comes to filing claims. Some of the most common home insurance claims mistakes are detailed below — along with some tips for avoiding these expensive errors.

Not understanding your policy

You should know what your policy covers, who your provider is and what your claims process is. Your policy is a long and wordy document, but it is a good idea to read it and understand what is covered.

Failing to get flood coverage: This is an incredibly costly error, and many homeowners don’t discover it until it is too late. Even though your home insurance policy covers “water” damage, it may not cover floods — you need a separate policy for that in most cases. If you live near water, in a storm-prone area or along the coast, you likely need a separate policy for flood damage just in case.

Not updating coverage

If you only looked at your homeowner’s coverage when you purchased your policy, it could be out of date. If you’re paying the bill, the coverage is still in place, but if your family has grown, you’ve made home improvements, purchased expensive items (that would be covered) or made other changes, then your coverage may not be as complete as it should. Unless you review your policy annually, you would only discover a problem after a damaging event, which is too late to add that new artwork, upgraded flooring, or expensive electronics.

Not keeping an inventory

You may be able to name the larger covered items in your home — the electronics, appliances, and other big-ticket things, but do you know their model numbers, value and other specifics? A full home inventory you update annually ensures that any upgrades are included and that you are reimbursed properly in the event of a loss. If the items in question have been destroyed, you may end up relying on your memory to list what you had. In a stressful time, this could result in a far lower claim amount than you are truly entitled to.

Failing to document damage

Extensive damage from a storm or fire could leave your home exposed to the elements – and you’ll naturally want to start cleaning and repairing the damage to your property. You should take photos and document damage before cleanup begins. Saying a tree limb fell on your roof is open to interpretation; images of that same tree in your living room after crashing through the roof clearly shows the issue and extent of the problem.

Familiarizing yourself with your policy, updating it as needed and keeping good records will all help you protect your home, your family and your belongings if you need to make a claim. Choosing the right policy for your needs and covering these details will ensure you are covered when you need it most.

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Tagged home insurance, insurance claim
29 Apr
2019

How to prevent wind damage to your home

by Katelyn Betts | in Home Insurance, Insurance
How to prevent wind damage to your home

So, we’ve all heard the expression “batten the hatches.” (If not, that’s okay.) Basically, it means to tighten and seal all the doors and windows and hunker down because a storm’s coming and it’s a fierce one. Wind damage is a major threat to a house – Mother Nature doesn’t play around, especially when summer rolls in and those storms sweep on through. It’s important to protect your house from the “water” part of storm damage, but you can’t forget about wind. Here are nine tips to protect your home from wind damage.

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Tagged home insurance, insurance claim, storm
27 Dec
2017

Should I file a tow truck insurance claim for my business?

by Katelyn Betts | in Business Insurance, Insurance, Transportation
Should I file a tow truck insurance claim for my business?

There’s this thing called Murphy’s Law that states that anything that can go wrong, will go wrong. Perhaps it seems a tad pessimistic, but as a tow truck driver, you may be inclined to believe it. You’ve seen plenty of strange, unlucky, and crazy situations out there on the road. But what if Murphy’s Law hits your business? What if something happens to one of your tow trucks – say, a cracked windshield or a smooshed front bumper? You might immediately think to file a claim on your tow truck insurance. It was invented for Murphy’s Law, after all. But you may want to pull out a calculator and do some numbers before you do. Claims have an influence on how much tow truck insurance costs. We’ll explain why.

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Tagged insurance claim, tow truck insurance cost, tow truck risks
14 Aug
2017

5 tips to keep your home insurance claim from being denied

by Katelyn Betts | in Home Insurance, Insurance, Tips
5 tips to keep your home insurance claim from being denied

Filing a home insurance claim can be daunting. The reason that you have home insurance in the first place is to help you replace things that have been destroyed by factors outside of your control. It protects you from losses. Getting the insurance and paying the premiums is easy. Filing a home insurance claim and getting it approved can sometimes feel like another story.

When you’re filing a home insurance claim, it’s important that you keep a few things in mind to make sure that you get the payments that you need to rebuild what you’ve lost. Just because you fill out the paperwork doesn’t mean that the money will magically appear in your bank account. The claim could get denied, which is something that you don’t want to happen. If your claim is denied, you’re kind of back where you started.

To make sure that your claim isn’t denied, make sure that you keep the following tips in mind when you’re working through the filing process.

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Tagged home insurance, insurance claim
05 Jul
2016

What is an insurance claim and how do I file one?

by InsuranceHub | in Home Insurance, Tips
What is an insurance claim and how do I file one?

What is an insurance claim?

We discussed in a recent article that no one expects disasters, emergencies or catastrophes. However, if the time comes that your home or possessions are damaged, destroyed, or stolen, it’s comforting to know that your insurance company is ready to help you. Simply put, an insurance claim is when you submit paperwork to your insurance company to help reimburse you for losses after a disaster occurs.

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Tagged file claim, homeowners insurance, insurance claim

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