Homeowner’s insurance is a type of insurance policy that covers you for certain types of trouble or crises. There are plenty of insurance companies that offer homeowner’s insurance. There are also lawyers for property damage who can assist you in finding the right policy.
When does homeowner’s insurance help?
Maybe a storm broke several windows in your house or damaged your roof. Perhaps a burglar broke into your home, breaking and stealing valuable possessions. These scenarios barely scratch the surface of what homeowner’s insurance can cover.
How to file a claim
- Call the police and file a report if someone broke into your home.
- Call your insurance company. Tell them what happened.
- Fill out all the forms that apply to your claim.
- Include proof of what happened with the forms.
- Keep any receipts for damage to your home that you immediately fix out of pocket.
- If an insurance adjuster comes to your home to inspect the damage, follow any instructions your insurance company provides to prepare for the adjuster.
- Get the damage repaired and then get reimbursed by your insurance company.
Should you file a claim?
If your insurance covers the incident that took place, consider the cost involved. You might still choose to pay out of pocket if your claim isn’t a minimum of two times the amount of your deductible. This is because your policy premiums might increase from filing a claim.
If you aren’t sure whether you should file a claim, it’s a good idea to contact an attorney. When it comes to Cranston RI property damage lawyers, Richard Palumbo LLC has the knowledge and expertise to help you. He is your insurance attorney Rhode Island, and he’s waiting to answer your call and help you.