Whether you have Durham, NC Renters Insurance or coverage anywhere else in the country, it’s possible that you’ll come to a time when you need to file a claim. There’s no shame in filing a legitimate claim, that is why you have renters insurance. But since it’s fairly rare for most people, they’re often not sure how to go about it. There are a few things you can do that will make the process easier.
Home Inventory Or Make A List
You should have a home inventory before you have to file a claim. List the things you have and their value, preferably off site, and you’ll be in a much better position to make a claim. You don’t want to be doing this from memory after a loss, that’s just not a good experience.
Ensure Your Home Is Secure And Safe
If it’s a break-in, make sure that maintenance takes care of securing the window or door through which they gained entry. If it’s a fire, make sure the fire department has cleared you to enter the building. Then and only then can you and the adjuster enter. There’s absolutely no sense in putting yourself or your family in any kind of danger just to see if you can salvage one thing. Again, that’s why you have insurance.
Call And Start The Process
Pick up the phone. Call your insurance. There’s usually a 24 hour claims line where they can take basic information and get the process started. They might even be able to release some loss of use coverage for you in certain circumstances, though that will depend on your policy and coverage.
Once the process has started, the adjuster will be in touch with you and ensure that you’re given the chance to tell them what you had and to answer questions about the loss.
The adjuster can’t do their job unless you respond to their phone calls and questions. The faster you help them, the faster they can help you.
Cash The Check And Replace Your Stuff
Now you get back to the point of rebuilding your life. While the loss may well have been traumatic, the claims process shouldn’t be. The claims process also shouldn’t really be adversarial, except in edge cases where someone is trying to claim things they’re not entitled to. Overall, it’s designed to get you back on your feet as efficiently as possible.
If you don’t have coverage, you should. Fortunately, it’s quite affordable, at around fifteen dollars a month. Just call (800)892-4308 or click to get covered - whether you need Durham renters insurance quotes online or coverage anywhere else!
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Photo Credit: State Farm A Lonely Toy (after Granbury, TX Tornado) CC BY 2.0