Whether you had a break-in or a storm tore off your roof, making an insurance claim will be your first step. But before you begin the process, it can help to try to have all the information you need at hand.
Having the details and other information ready can make the process move along more smoothly.
Make sure you know your policy number and have it handy when you contact the insurer. If the policy is in your spouse’s name, but you are calling in, make sure to note that right away.
If the claim is a result of a crime or accident, you should have a report from an authority. After a fire, for example, you would have the fire marshall’s report, or after a break-in, you would have a police report. The insurer will need these documents, so having them ready to go is helpful.
Generally, you will want to not touch anything until the insurer sends someone out to see the damage. But in some cases, your insurer will want you to take steps to prevent further damage or to protect yourself. If you have to do any repairs, make sure to keep the receipts.
Information on damage
Make sure you catalog the damage and your losses. You should do a quick assessment so you can tell the insurer what you need.
Being prepared when calling your insurer for a claim will make the process easier for you. It can also help to speed things up, so always be ready with the right documentation.