Homeowners insurance in Hudson, NY is designed to protect your home from disaster.
When your home suffers from damage, whether from a fire, theft, vandalism, or natural disaster, you can fall back on your homeowners’ insurance in Hudson, NY. That’s what it’s there for. When it comes to filing a claim, it’s important to correctly complete the steps so that you suffer as little financial strain and home damage as possible.
First, always read through your insurance policy to see where your responsibilities lie. Here’s how to get started on the claims process:
If there’s been a crime, report it to the police. If you’re a victim of theft or vandalism, report it to the police immediately so that they can record the damages as soon as possible. Ask for a copy of the report for your insurance claim.
Call your insurer. Inform your insurer to let them know of the damages and to get the ball rolling on filing the claim.
Repair as needed. Take steps to protect your home from further damage. If you buy tools to patch up your home for the time being, always keep the receipts.
Review your home inventory list. You’re going to need to list what exactly you’ve lost in the disaster. Avoid throwing out damaged items until the adjuster has visited your home and inspected the loss.
Move into temporary housing if needed. If you have to move into temporary housing because your house is in devastation, keep your receipts of all the expenses. From restaurant bills to hotel room costs, your insurer may reimburse you for a portion of “additional living expenses” until your home is repaired.
Fill out claims forms. Once your insurance company has been notified of your claim, the company will send you forms to fill out. Return them as soon as possible in order to avoid delays.
Let the adjuster inspect the damage. Your insurance company may arrange for an adjuster inspect your home for damages and loss.
Once this is done, your insurance company will send you terms of settlement and payment for your Home Sweet Home!
Work with an agency that works with you! Contact Lofgren Agency for the right homeowners’ insurance in Hudson, NY to suit your needs, budget, and belongings.