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How to Report Personal Insurance Claims

Filing Homeowner Insurance Claims

When it comes to your home and personal property, any loss can be devastating. Seacrest Partners will help you through the claims process and make sure your claim is settled quickly, fairly and efficiently.

Your homeowners insurance policy is a contract between you and your insurance company. In the event a covered peril damages or destroys your home or personal property, there are rules and procedures that both you and the insurer must follow.  Read your insurance policy or talk to your Seacrest advisor to determine your responsibilities in the event of a loss.

Here are a some recommendations when disaster strikes:

  1. Notify your insurer as soon as possible by telephone or fax using their direct claims reporting line or contact your Seacrest Partners’ representative.
  2. Complete a claims form or provide the following information to the extent possible:       Name and address of loss location
    Date and time of loss
    Cause of loss
    Detailed list of damage
    Name and phone number of person(s) to contact
  3. If you are the victim of a theft or your home has been vandalized or burglarized, report it to the police. Get a police report and the names of all law enforcement officers that you speak with.
  4. Take reasonable steps to protect your property from further damage. Save receipts for what you spend, and submit them to your insurance company for reimbursement.
  5. You are going to need to substantiate your loss. Avoid throwing out damaged items until the adjuster has visited your home. Photographing or videotaping the damage is a great way to document your loss. Prepare a home inventory, make a copy for your adjuster and provide copies of receipts for the damaged items.
  6. If your home is severely damaged and you need to find other accommodations while repairs are being made, keep records of all additional expenses incurred. Many homeowners insurance policies provide coverage for the “loss of use” and excess living expenses due to a covered loss.
  7. Once your insurance company has been notified of your claim, most insurers will assign the claim to a field adjustor who will inspect the damages and/or provide the necessary claim forms to you within a specified time period. Complete and return all claim forms as soon as possible to avoid delays. Note: claims adjusters cannot approve claims; however, the adjustor’s report is a critical component when the insurance company is making its determination of your claim. Cooperate with adjustors and provide as much detail as possible.
  8. Once a settlement has been agreed upon, state laws require insurers to send payments promptly.

If you have any questions or concerns regarding your claim, Seacrest is here to serve as your advocate.