Having home insurance is essentially like a safety blanket. You know that having it means that you don’t need to worry about the financial cost of any damage that happens to your home and your possessions. However, actually making an insurance claim is something that most people don’t think about, as they would hope they would never need to do it. Unfortunately, accidents do happen, damage is caused and claims need to be made. If you need to make a New Jersey home insurance claim, here are some tips to make the process as simple as possible.
Keep an inventory of household items
Keeping a clear and detailed inventory of all the belongings in your home including the estimated cost of these items will help the insurance company to process your claim much faster. When it comes to more expensive items such as electrical appliances and jewelry it is worth cataloguing these items using photographic evidence, and also keeping hold of the receipts and storing them in a safe place. This will all go to ensure that you get back the correct amount in order to replace the item.
Understand your coverage
Before you make a claim, you really need to read back through your policy from newjersey-insurance.net and ensure that you are completely clear on what coverage you have in order to get through the claims process faster. For example, you may have coverage to protect you from damage cause by hurricanes, earthquakes or other weather related events. However, standard homeowners insurance will not cover flood damage, even if the flood has occurred as a result of another weather event that you are covered for. Understanding what exactly you can claim for will save you a lot of time and headaches in the long run.
Contact your insurer immediately
As soon as you can following the event, you should contact your insurance company. If the damage is extremely severe, you should only conduct the repairs that are absolutely necessary to ensure the safety of yourself and others. This is because your insurer will likely have contractors that they use to carry out repairs and there may be a limit on what they will pay for. You should be able to directly contact your insurance agent to find out exactly how your claim needs to be filed, however if you cannot reach the specific agent you can receive this information directly from the company.