Call Us 708-687-9700 ☰ ˟
708-687-9700
Logo
  • Our Agency
    • AboutImage of right arrow
      • Meet our team of experts
      • Location(s)
    • Certificate of Insurance Request
    • Our Trusted Carriers
    • Community Involvement
  • Quotes
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Association Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Events Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Restaurant Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Contact Us
    • Jordan Insurance Services & Associates
    • Contact Us
Home > Blog > What You Should Do Before Making Your Home Insurance Claim?
WEDNESDAY, MAY 26, 2021

What You Should Do Before Making Your Home Insurance Claim?

What You Should Do Before Making Your Home Insurance Claim

a house 

Filing a home insurance claim can be as simple as picking up the phone and making a call, but there are several steps that you will want to take before doing that. Here's a quick checklist of what you'll want to do before you file your claim: 

  • Call the police, if necessary, and then your insurer. Whether or not you're filing your claim right away, it’s important to keep your insurer in the loop. This will give them an opportunity to advise you on any additional steps that you might need to take. 

  • Read your insurance policy. You want to make sure that your damages are covered. For instance, you might be surprised to learn that most home insurance policies exclude flooding, so a flooding claim may not be allowed. 

  • Evaluate the cost of the damages. Can you comfortably cover the losses out-of-pocket? If so, then that's usually the best option. For most minor damages — such as broken windows and fences or damaged drywall — the deductible is going to outweigh the actual repair costs. Insurance claims are best reserved for damages that can’t be comfortably covered on your own. 

  • Create documentation. Use a video camera to scan the damages so that you can show your insurer exactly what happened. Video is recommended because it's easier to capture a whole room; you might forget some critical detail if you're using a photo camera. 

  • Make what repairs you can for now. You want to control the damages, because the initial incident might be covered, but any additional damages owing to homeowner negligence might not be. 

  • Get an estimate. Get an estimate from a reliable contractor. 

  • Inform your mortgage lender. This step is only needed if the home isn’t yet paid off in full. 

Once all of these are items in order, file your claim. Your insurer can then send an adjuster to your home to assess the damages.

Posted 5:31 PM

Tags: homeowners insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(16)
  • business(14)
  • coverage(11)
  • commercial(9)
  • policy(8)
  • owners(5)
  • bop(5)
  • compensation(4)
  • umbrella(4)
  • workers(4)
  • benefits(3)
  • car(3)
  • auto(3)
  • homeowners(3)
  • personal(2)
  • business insurance(2)
  • auto insurance(2)
  • accident(2)
  • condo association(1)
  • homeowners insurance(1)
  • condo(1)
  • condominium(1)

View Mobile Version
Logo
Quick Links
Home Our Products Blog Report a Claim
About Us Refer A Friend Our Carriers Contact Us
Location
15859 S Ridgeland Avenue
Suite B
Oak Forest, IL 60452

Phone: 708-687-9700
Fax: 708-687-9740
Social Social
© Copyright. All rights reserved.
Powered by Insurance Website Builder