A large number of people pay insurance premiums for many years without ever submitting a claim. One day something unexpected happens and they have to submit a claim, but they’re not certain how to go about it. We will briefly outline the correct procedure to follow with home insurance claims below.

The very first thing that you should do is to inform the insurance company of what happened and to tell them that you want to submit a claim. You can phone the agent, but to keep a record of what happens it is actually better to email or fax him. Provide all the relevant information and fill out any forms they might require you to fill out.

For this purpose it’s always a good idea to keep the contact details of your home insurance agent in your wallet or somewhere in your car – your home might be destroyed by fire and without that you might not even know how to contact the agent!

Your next step is to assess the damage to your property and document it as far as possible. A video camera or even an ordinary digital camera can come in very handy in this respect. Compile a list of items for which you need to submit a claim, such as computers etc.

After this you can proceed to make emergency repairs wherever they may be needed to prevent subsequent damage. Remember that no insurance company will pay for damage that happens after the fact if you were in a position to prevent it. If a couple of windows are broken, for example, cover them with tarpaulins to prevent the elements from causing additional damage.

After this information has been provided to the insurance company, you can only wait. Remember that you are not the only one who submitted a claim on that particular day – chances are there were many other home insurance claims filed on the same day. If you are really unhappy with the insurance company’s response, you can always file a complaint with your state’s insurance commissioner.

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