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What to do when you have a property insurance claim

What to do when you have a property insurance claim

It can be devastating to see something happen to your house that you didn’t foresee and weren’t able to prevent. Whether your property has been damaged because of vandalism or weather, the next step is to file a property insurance claim. Filing a property insurance claim may seem like a complex process but in reality, it isn’t too complicated. As long as you follow some basic guidelines you will be well on your way to getting your claim resolved.

Contact your insurance company

In order to file a property insurance claim, you will need to contact the carrier of your home insurance policy The insurance company that has your policy will be able to walk you through the process of filing your claim accurately. The better you are at inputting all of the information accurately, the higher chances of your claim being resolved in your favor. Although the insurance company will want to pay out as little as possible, you can use your knowledge of your rights to negotiate the repairs you need.

Read over your “declarations page”

By reading over your insurance policy’s declaration page, you will be well familiar with what your rights are. You can get the information you need by taking the time to read the fine print. While reading over your declarations page, you can see the different areas and coverage categories. Some of the coverage categories include “Dwelling”, “Personal Property”, “Other Structures”, “Endorsements”, “Loss of Use/Additional Living Expenses, and more.

If you have issues with your insurance company not paying the money you need, you can contact them and submit evidence of your claim. Filing a property insurance claim may be an involved process especially if you need money for living expenses until your home is fixed. However since your policy covers these expenses, it is important to make sure that you get the pay outs that you need.

At Insurance Offices Texas, you can get the complete coverage you need for your home. Get help filing a property insurance claim when you visit them online at http://www.iotx.com. You can also connect them on Facebook for more updates.

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