Filing a renters insurance claim is easy – just be honest. There are a few things that need to happen in order for the claim to be paid, let’s take a look.
Mitigate The Loss
The first step is to stop the loss from getting worse. In the case of a burglary that you come home and discover, the loss is no longer actively occurring so there’s not much to mitigate in that regard. You should, however, make sure to secure anything they broke to gain entrance to prevent another theft based on opportunity. If this were a burst pipe claim, mitigating the loss might be shutting off the water.
File A Police Report
There may be zero chance of recovering your items, but you still need to go through the process of filing a police report. Often, once electronics are gone, they’re gone, but the report helps document that the theft occurred. You wouldn’t lie to the police, so it also helps to substantiate your claim to the insurer. This is normally a quick and easy process. In most situations, they’ll come out, but that really depends on your particular location and their work load at the time. Either way, you still get a report a few days later.
First Notice Of Loss
This is simply the process of calling your insurer and saying “I’d like to file a claim.” They’ll locate the details of your Harrisburg, PA Renters Insurance, assign an adjuster, and get the ball rolling. You’ll discuss the basic facts of the loss, and it’s generally a pretty quick call. It’s quite helpful to have your policy number, but if you don’t have it handy they can generally locate you in other ways.
Answer The Adjuster’s Questions
On a straightforward claim, these questions will be softball things like “What was stolen?” This is not an adversarial process – if it becomes adversarial, you’ve got problems. The adjuster just wants to know what happened, how the loss occurred, what property was stolen, things like that. You’re not under oath here, but you do need to be honest. Again, if you get to a stage where you’re under oath, you’ve got bigger problems.
List The Stolen Items
Pretty easy. Make a list of what was stolen. Provide what proof you have. If a gaming system was stolen, you might not have a receipt, but do you have a login for the online system? There wouldn’t be much reason to have an Xbox Live account if you didn’t have an Xbox, and the length of time you’ve had the account could help to prove how long you owned the system. Pictures of you with the property can help, as well. Your credit card company or bank may be able to provide statements showing the purchase if you used a card, and the retailer may even have a record of it.
Get A Check, Replace The Property
Self-explanatory. This is the easiest part of making a claim on Harrisburg renters insurance. If you need to know more about filing claims, or more about your coverage in general, or you need a policy, just call (800)892-4308 or click to get covered - whether you need Harrisburg renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
What's Your Style?
- Do You Need Coverage ASAP? Check out the fastest way to buy renters insurance online and get covered in just 60 seconds!
- Do You Feel Like Talking About It? Just call Effective Coverage and a renters insurance expert can help you get great coverage in minutes.
- Do You Need Some Time Alone With Your Thoughts? We understand, which is why we created the Pennsylvania Guide To Renters Insurance.
- Just Want To Watch A Movie Together? See our video guide below.