Filing a homeowner insurance claim in Queens, NY, can be a cumbersome process. Sure, an insurance brokerage firm can help you with the process along with getting the best homeowner insurance in Queens, but what if you want to go ahead on your own?
Here are the steps to help simplify your homeowner insurance claim and get the best results:
Contact your insurer
The first step to filing an insurance claim is to contact your insurer and notify them of the loss as soon as possible. If you have questions regarding the coverage, now is the best time to raise your concerns. Also, make sure to provide accurate personal information and details regarding your loss to help the inspection team carry a thorough damage inspection. If you got the best homeowner insurance in Queens through a reliable brokerage agency, you can also contact it to help you with the claim process.
Notify the Police
If your property damage is a result of criminal activities, such as theft, vandalism, and others, notify the local police department of the loss as soon as you come to know about it. This is necessary to get a police report verifying your damage or loss of property.
Take pictures of the damage
To verify your loss, it’s always best to take pictures of the damaged property. If you maintain a home inventory, make sure to provide your agent with a copy of everything you owned and items that were stolen or damaged. If you have to make immediate repairs to the property to avoid further damage, keep a record of what you spend so that you can get reimbursed for your expenses by the insurer.
Work with your insurance adjuster
Your insurer will send an insurance adjuster to evaluate your claim and verify property damage. They may try to downgrade your claim in order to avoid paying you the compensation that you deserve for your loss. This is why you should also have an independent insurance adjuster working solely for you. You can get help from the insurance broker from whom you got the best homeowner insurance in Queens.
Once the claim has been filed, the next step is to follow up with your adjuster and wait for the compensation you receive from the insurer.
If you want to get the best homeowner insurance in Queens that best suits your needs and has an easy claim process, feel free to get in touch with us today.