When is the right time to call your home insurance company?
While most homeowners understand that they need to file a claim when their home sustains major damage, you may be reluctant to access your coverage otherwise. However, there are certain situations in which you should call your home insurer and file a claim. Here are some of the circumstances under which you should give your home insurance provider a call.
Someone Injures Themselves on Your Property
While you don’t need to call your insurance provider for every stubbed toe and paper cut that takes place in your home, you should get in touch with your agent if a guest sustains a more serious injury. This is because your homeowners insurance offers coverage for medical expenses. By calling your insurer, you can access this coverage, ensure that your guest gets the immediate medical attention that they need, and make your claims process proceed more smoothly.
You’ve Become the Victim of Robbery or Vandalism
If your home has been broken into or vandalized, then the first call that you should make is to the police. After you’ve reported the incident and the police are on the way, you should call your home insurer. The property portion of your coverage will help you address any damages to your home, and your personal property coverage will help you replace the belongings that were stolen during the incident.
There are some of the situations in which you should file a home insurance claim. Do you have further questions associated with securing or managing your homeowners coverage? If so, contact an insurance professional at Westwood Insurance Agency today.