When should you give your homeowners insurance provider a call?
While most homeowners have the necessary home insurance in place, many do not ever want to access their coverage. Unfortunately, there are certain situations where using your homeowners insurance in Long Island City, New York is simply unavoidable. Here are some of the situations in which you should call your home insurance agent immediately.
- A Guest Gets Injured While Visiting
While you certainly don’t need to call for every papercut or stubbed toe that takes places inside your home, you should inform your insurance agent if a guest sustains a more serious injury. This is because your homeowners insurance actually offers medical expenses coverage for these types of situations. The sooner your insurer knows about the accident, the sooner you can jumpstart the claims process.
- Your Home Sustains Major Damage
If a tree falls through your roof, a pipe bursts, a fire breaks out in your kitchen, or another major damage event occurs, then you should contact your insurance provider as soon as possible. This will allow you to access your property damage coverage which will help you get the repairs or replacements that you need.
- Your Home has Been Robbed or Vandalized
If you have been robbed or become the victim of vandals, then the first thing that you should do is contact the police. However, once you’ve dealt with the criminal side of things, you need to get into contact with your home insurer. The property and personal property portion of your policy will help you address the damages and losses caused by the break-in or act of vandalism.
These are some of the situations in which you should call your home insurance agent immediately. Do you have additional questions regarding your homeowners insurance in Long Island City, New York? If so, then contact us at 01 Insurance. Our dedicated team is eager to assist you with all your coverage needs today.