What to know about filing a claim when it comes to your home insurance in Astoria.
It’s better to have insurance and not need it, than need it and not have it. This philosophy applies to all of your insurance, but is particularly pertinent to your home insurance. With the threat of natural disaster, theft, and vandalism, it’s important to get the home insurance in Astoria that you need. While you never want to use it, it’s important to be prepared. Check out what you need to know about filing a home insurance claim.
Contact the Authorities.
Whether it was Mother Nature, neighborhood hoodlums, or professional burglars, damage to your home is scary. Your first order of business, after you’ve discovered that your home has been damaged, is to call the appropriate parties. If you suspect that the damage has been a result of a crime, get to safety first, then call the police. After the police report, call your insurance agent. Even if the damage isn’t a result of a crime, give your agent a call as soon as possible. The sooner you call, the sooner the issue can be resolved.
Document the Scene.
It’s important to have evidence of the damage. Not only is it good to have them for your personal records, but you’ll need to submit them along with your insurance claim. Various photos from different angles are best. However, only take photographs of the damage if it’s safe to venture out onto the property. If your photography puts you or anyone else in danger, don’t do it.
Keep your Receipts.
Sometimes the damage is so bad, that you’re unable to return to your home until it’s been repaired. Keep a record of all your temporary living expenses like hotel bills and restaurant receipts. That way you can submit them along with your claim.
When it comes to your home, ensure that you have the coverage that you need. Purchase the right home insurance in Astoria. Contact the professionals at 01 Insurance to find the best personal and commercial insurance in New York.