How to Have a Hassle-Free Homeowners Insurance Claim Process

Erb and Young Insurance wants you to have an easy and hassle-free homeowners insurance claim process.

To report a homeowners insurance claim, Click Here to find your Insurance carrier’s contact information and then contact them directly to start the claims process. They will help you through the entire claims process.

Business Owners Click Here


Taylor Young shares some tips to help make sure that you have a hassle-free homeowners insurance claim process.

Our blogs and short Youtube videos are designed to give our clients and referral partners an insiders understanding of the insurance industry and related topics. 

Documentation will help you have a hassle-free homeowners insurance claim process

Take photos and video of your homes interior, exterior, your valuables, furniture, and artwork NOW. Then should something happen, document with video and a new set of photographs for the insurance company. It would be best to store these photos in a cloud based photo storage such as dropbox, iCloud, or google drive.

Plan to Make Temporary Repairs as Soon as it is Safe
It is important to take steps to protect your property from further damage.

Save receipts for what you spend and submit them to your insurance company for reimbursement.

Prepare a list of lost or damaged articles
You are going to need to substantiate your loss.

Avoid throwing out damaged items until the adjuster has visited your home.

As stated earlier, you should also photograph and make a video BEFORE and AFTER the Storm or Hurricane. Prepare a home inventory, make a copy for your adjuster and then share copies of receipts from damaged items.

If you need to relocate, keep your receipts
If your home is severely damaged and you need to stay somewhere else while the repairs are being made to your home, it is important to keep records of all additional expenses incurred.

Get your claim forms filled out as soon as possible!
Once your insurance company has been notified of your claim, the company is required to send you the necessary claim forms to you by the end of a specified time period. (The time period varies from state to state.) Return the properly filled out forms as soon as possible in order to avoid delays.

Make arrangements to have an adjuster inspect the damage to your home
Your insurance carrier will probably want to schedule an adjuster to come and inspect your home.

Information for Dog Owners

As dog owners, it is important to be aware of the risks and liabilities. Your Erb and Young Insurance Agent is here to make sure that you have peace of mind through providing you with the right insurance coverage and to let you know which breeds may be viewed as “higher risks”.

DogBiteLaw.com reports: “Of the 800,000 annual dog bites that require medical attention in the USA, more than half of the victims are children, and more than half of the child-victims are bitten on the face. The medical costs and other losses stemming from a bite to the face ranges from the tens of thousands of dollars to the hundreds of thousands. Imagine the effect of a $100,000 judgment upon a homeowner: he literally could lose his house. That is why homeowners insurance without protection against dog bites is an illusion. Your house is not fully covered, because with one snap of your dog’s jaws, you can lose it — unless your policy protects you.” Learn More

A Policy that includes the proper coverage will help you have a hassle-free homeowners insurance claim process.

It is vital to have the right Homeowners Insurance, because there is always the possibility that your property or home will be damaged or you will get sued for someone’s injuries. Every home owner needs to know what their Homeowners’ Insurance policy covers and what is not covered. That is why it is essential for Homeowners to take the time with an experienced insurance agent when the policy is first being written, or revised. Many have remained unaware of risk factors until they have something happen. This has lead to financial loss and personal embarrassment.

homeowners insurance claim process

Are you covered? Follow these tips on how to have a hassel-free homeowners insurance claim process.

For more information and to get answers to specific insurance questions, please contact an Erb and Young Insurance Agent. Your Erb and Young Insurance agent will provide you with exceptional service, rates and a FREE professional consultation. We focus on the relationship, not the transaction. Since we’re independent agents, our allegiance lies with our clients, not the insurance companies. We want you to avoid overpaying for a policy that is not providing the right coverage for your current circumstances.

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