No one wants to have to file an insurance claim, but if you need to do so, there are steps you can take to make this process go more smoothly. In this article, we will talk about some of the things you can do to make filing a claim easier.
Before disaster strikes, make sure to have a list of the things you have in your home. Grab a video camera, and use it to take stock of your possessions, and make sure to take photographs of your property from different angles. It also helps to mark your high-value items in ways that will make them identifiable to you later. If you have antiques or fine art, you should have these appraised, and you should keep your insurance policy, appraisal, and your inventory records in a secure place away from your home.
Filing Your Claim
It is important to make your claim as soon as you can. You will need to submit your proof of loss, and after that, your insurance company has 30 days to approve or deny your claim, unless there is a mitigating circumstance preventing them from doing so. You can hire your own appraiser if you’re at odds with your insurance company over the value of your claim, and you can hire an attorney to represent your best interests. The insurance company will need to notify you in writing every 30 days if the claim is still ongoing.
Dern & Company Provides Homeowners Insurance
Residents of Milwaukee, WI are not required by law to have homeowners insurance, but their lenders will usually require them to do so. Homeowners insurance protects your assets by providing compensation when your home is damaged by vandalism or natural disasters, and it will provide liability coverage in certain situations. Dern & Company has experience serving the Milwaukee, WI area and even Denver, CO, and we invite you to call or stop by the office to get a quote on a homeowners insurance policy today!