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How to Properly File a Home Insurance Claim

Aug 17, 2007
Something has just happened to your home and you are completely oblivious to what you should do now. First things first though, you should just be thankful that you were wise enough to have invested in that home insurance policy that will be likely to fully compensate you for your house. Once you have enough time to actually sit down and sort your life back out, you should start the process to file a home insurance claim so that you can begin the process of rebuilding.

The first step to filing a home insurance claim is to call your home insurance company as soon as you possibly can. Really, the sooner the better, even if you feel that you are not mentally up to dealing with an insurance company right after losing your house. However, getting the process in motion as quickly as you can will mean that you can get your life back together more quickly, and that is certainly a good thing.

Next, walk around your home and take very detailed notes about each and every thing that was damaged or destroyed. If you have a camera, use it. If you were able to photo-document your home before the disaster, even better, as you can use both the previous pictures and your new pictures to prove to the insurance company that damage took place and some of your belongings were lost. After all, when there are pictures involved, you are able to present your insurance company with irrefutable evidence that you did in fact have the items you want compensation for, and you can prove that they were in fact destroyed or damaged beyond repair.

While you are waiting for the insurance claim to go through, go ahead and make any repairs that you can, as doing so will help you pass the time. Just be sure that you thoroughly documented the damaged areas before you fix them up. Also, a good idea when you are working on repairs is to complete them as much as you can, but do not apply a fresh coat of paint over them. This way the insurance company will actually be able to fully examine the areas that were damaged should they need to. As you work, the time will pass more quickly and in no time you will be rewarded with your home insurance claim - a great way to help you get back on your feet after your home or your belongings were damaged or destroyed.
About the Author
Mayoor Patel is the writer for the website http://home-insurance.wares-are.us. Please visit for information on all things concerned with Home Insurance Claim
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