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Filing Homeowners Insurance Claim Forms: What Steps to Take

Filing a homeowners insurance claim can be done with ease if the proper procedures are followed correctly. Periodically reviewing your insurance policy and keeping up to date with what your duties and responsibilities for your specific plan are will assist tremendously when filing a homeowners insurance claim.

First things first when filing your homeowners insurance claim. If a crime has been committed, call the police. Be sure to get a police report and document all the names of the officals that you come into contact with. Your insurance company must now be immediately notified of your impending claim.

When speaking with the customer service representative at your insurance company, it is recommended to ask questions. Most insurance policies have a time frame in which homeowners insurance claims can be filed, so you need to find out the maximum time allowed for filing claims. Here are some other questions that need to be addressed: Is the disaster or mishap you are claiming actually covered under the policy? Exactly how long will it take to process the claim?

While waiting to file your homeowners insurance claim, you as the homeowner are obligated to make temporary repairs. It is up to you to make sure that your home is not damaged any further. Save all receipts from the supplies that are used, and the insurance company will reimburse you for all costs.

The next step in filing a homeowners insurance claim form is producing a list of missing or harmed personal items. Do not throw out any damaged item until the insurance adjuster has paid a visit to your home. Generating a home inventory list and presenting it to the adjuster is also a good idea.

Your insurance company is required to send you the proper claim forms once they have been informed of your claim. After you homeowners claim has been filed, the matter is out of your hands, and all you can do is wait for the company to agree on the conditions of your settlement. However, there is a light at the end of the tunnel. In most situations, homeowners insurance claims are processed rather swiftly, and state laws instruct that payment be delivered in a timely manner.

Timothy Gorman is a successful webmaster and publisher of He provides more insurance information and offers discount homeowners insurance, life and auto insurance that you can research in your pajamas on his website.

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