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Tips When Claiming Home Insurance Benefits

4/5/2021

9 Comments

 
Picture
Homeowners insurance is the most rejected insurance in terms of claims. More than one in five claims is rejected, or 79% percent of the claims are accepted.
​
The top three reasons why home insurance claims are rejected are: 
  • Damage due to lack of maintenance
  • The value for claims is less than the policy excess
  • Wrong coverage bought

For a smoother transaction, follow these five tips in claiming home insurance benefits:

Know Your Policy
You have to fully understand the terms and conditions of your home insurance policy. You need to know what events will and will not cover your policy.

Call the Police if Necessary and Inform Your Insurance Company
If you have been robbed or vandalized, call the police first and file a report. You will be given a crime reference number you'll need for your home insurance claim.

Do not delay in notifying your insurance company. The moment you have your policy number, call your insurance company and explain your situation.

Gather and Document the Evidence and Make Any Necessary Repairs
You need proof of purchase for the items you are claiming for. Receipts, credit/debit card statements, or bank statements will do. Also, take and send any photos as proof of your claim. The claim process will be smoother the more evidence and documentation you have.

Make the emergency repairs needed to prevent further damages to your home. Insurance companies are allowing it. Some may also require it. But before doing any repair, keep your evidence and proof.

What To Do If Your Claim Was Denied
A home insurance claim is the top insurance claim to be rejected. Because of that, you should also be prepared for the next steps if your claim is denied. 

The first thing to do is to know why the claim was denied. The reason should not be vague. If you think your claim is unfairly denied because of legitimate reasons, file a formal complaint.

Conclusion
The ultimate goal of home insurance is to protect your home in case anything happens. Thus, it's only necessary for the insurance carriers to know the workaround in making claims. 

At Valencia Insurance Group, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (772) 344-8899. You can also request a free quote by CLICKING HERE.
9 Comments
Adam Golightly link
6/21/2021 01:49:43 pm

My cousin has been thinking about getting the right kind of control of their insurance, so that they can get the right kind of insurance. It was interesting to learn about how they should understand the policy, and events that can understand the terms, and conditions. Making sure that they can get some help from a professional could allow them to be a lot safer.

Reply
pa health insurance companies link
7/5/2021 12:15:55 am

Found your post interesting to read. I can't wait to see your post soon. Good Luck with the upcoming update. This article is really very interesting and effective.

Reply
family health insurance lancaster link
8/13/2021 11:54:41 pm

Thanks for sharing such great information. It is really helpful to me. I always search to read the quality content and finally I found your post. Keep it up, keep posting!

Reply
Kristofer Van Wagner link
1/4/2022 08:48:04 am

I appreciate that this post mentioned that when looking for home insurance, it is important that we ensure it is the right type. My dad mentioned he would like to get home insurance for his new apartment. I will remind him to choose wisely.

Reply
John Carston link
1/19/2022 05:47:01 pm

I appreciate that you explained the importance of having a claim to prevent misunderstandings. When we bought this house, my wife is planning to have a home insurance plan for the prevention and safety of our new home and asked me if I have any idea what is the best option to do. Thanks to this informative article, I'll be sure to consult a trusted insurance agent as they can answer all our concerns.

Reply
Hailey Miller link
2/11/2022 06:49:55 pm

It helped when you said that we must know what situations are covered and not by our policy to help us in claiming benefits. This is helpful because my partner and I want to avoid financial problems in case of an unforeseen event. We will look for homeowners insurance on Tuesday that can cover damages during floods, fires, and other disasters for our peace of mind and to protect our savings.

Reply
Kristofer Van Wagner link
2/13/2022 08:09:33 pm

I do agree that when looking to claim home insurance benefits, it is crucial that we have all the proof and documentation ready as it will make the process seamless. My sister shared she is looking to apply for home insurance. I will definitely keep this information in mind.

Reply
Jeff Carbine link
3/30/2022 10:27:15 pm

I appreciate that you explained that our house insurance policy's terms and conditions must be properly understood. You must understand which incidents are covered by your coverage and which are not. my mother just built our new home. We will make sure to find the right home insurance provider for this new house. Thanks for the tips. It will lead us to the right track.

Reply
Eli Richardson link
4/8/2022 11:51:30 am

It's great that you talked about home insurance and how we could make sure that our claims don't get rejected. My wife and I are buying a house in a few months, and we think it'd be wise to get an insurance plan for it. We believe your tips will help us learn how to protect ourselves from getting an insurance claim denied, so we'll read them carefully. Thanks for the advice on keeping our house maintained.

Reply



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