No one likes to experience home damage – it can be traumatic and costly, and it can even disrupt your entire life. But, when you do, isn’t it nice to know you have home insurance to help with the covered expenses and repairs?
Now, when it comes to taking advantage of your insurance benefits and filing a home insurance claim, are there certain things you can do to help things go more smoothly? There certainly are. Here are my five suggested dos and don’ts for filing a homeowners insurance claim:
Of course, you never know when you may find yourself facing home damage that falls outside the scope of your policy. In these cases, you’ll likely be footing the bill rather than filing a claim. Examples of such situations can include losses that cost less than your deductible, as well as incidents that your policy just doesn’t cover, such as flooding and earthquakes.
My suggestion is to have a self-insurance fund set aside for just such occasions. It will also come in handy if you need to cover any expenses, such as temporary repairs, before receiving the check from your insurer.
As an independent insurance agent, I always want the most efficient claims process possible for my clients. And, my clients want that, too. By following my suggested dos and don’ts above, you can help set yourself up for a smooth claims experience, as well.
Some claims are bound to be more complicated than others, and there’s no guarantee everything will go off without a hitch. But, it never hurts to be proactive. Though, if at any time you feel these suggestions just don’t make sense for you, please do what you feel is best for the situation, your family and your property. Your own independent agent can help guide you.
About Shaun Murphy and Pablo Beach Insurance
Shaun Murphy brings 27 years of insurance experience to Pablo Beach Insurance, the independent insurance agency he founded in 2005 with his wife, Emily. Pablo Beach Insurance has three locations across Florida and counts one of the Murphys’ children, Spencer, as part of its leadership team. Shaun strongly believes in providing customers with a broad choice of insurance coverages from a variety of carriers and at a variety of prices. That’s why he started Pablo Beach Insurance, after experiencing firsthand how limited customers are when purchasing insurance directly from a carrier rather than from an independent agent.
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