Three things to know about filing home insurance claims

If you’ve never filed a home insurance claim before, you might not be familiar with exactly how the procedure works. At Henderson Insurance Agency, we offer home insurance in Harrisburg, PA. We’re here to help you understand home insurance policies and meet your coverage needs.

The following are three things to know about filing home insurance claims. 

You start the process by getting in touch with your home insurance company.

After an incident occurs that caused damage to your home, you need to let your home insurance provider know.

Most home insurance providers allow policyholders to submit claims via the telephone. This is likely to be the fastest and easiest way to get your claim started. Otherwise, you might prefer to submit your claim online. In any case, you’ll need to contact your insurance provider to let them know what happened and to get the claim process started. 

You’ll need to document the damage in numerous ways.

Documenting damage is important in any home insurance claim. Depending on the situation, you may need to file a police report. This is especially important if the damage was caused due to theft or vandalism.

You also may want to photograph the damage and save any news or documents describing the event that caused the damage. 

Your insurance company will send an adjuster out to your property.

After your home insurance company gets your claim, they’ll send an adjuster out to your property. The adjuster will assess the damage and determine what the costs of the damage are. 

If you need to purchase home insurance in Harrisburg, PA, let us know. At Henderson Insurance Agency, we’ll be happy to hear from you. We can provide you with the information you need to find the right policy for your unique situation. Contact us to learn more.