Home insurance is a vital product that can protect your property from a number of significant risks, from storms and wind to theft. However, policies differ from one another, and homeowners should understand the specifics of what’s covered before they file a claim. Here’s what you need to know.

Do:

Learn about your policy.

Understand what’s included and what’s not covered by your provider before you file. The average home insurance policy encompasses dwelling damage related to hail, lightning strikes, fire, smoke, and wind.

It’s also common for a policy to cover personal property in the event of damage or theft; liability protection comes into play if someone suffers an injury on your property. Many policies also secure structures on the property that are not directly connected to the home, including sheds, fences, and garages.

Provide thorough documentation.

The odds of filing a successful claim increase when you provide comprehensive details about the scope of the damage. Take pictures and videos from different angles to properly capture the property and incurred losses. Jot down notes, and attempt to gather receipts for anything that was destroyed.

Include other documents related to the event, such as paperwork for contractors and electricians that will make repairs. Many policies will cover additional living expenses if you need to stay in a hotel due to the damage. Present your insurer with this information, as well.

Don’t:

Wait too long.

While there’s no specific time frame for contacting your insurance company, always file a claim as promptly as possible. Do not wait too long to schedule repairs. If the home’s structural integrity is compromised, any damages that occurred could worsen if left unaddressed for too long. This could potentially affect the outcome of your claim.

Hire a general handyman.

Whether the damage is minimal or extensive, homeowners should always hire a specialist to perform repairs on the affected area. Experienced professionals can more effectively detect widespread damage. If necessary, they can guide you to another specialist to resolve any additional concerns. This will help you avoid long-term issues, such as shoddy repair work or incomplete jobs.

Homeowners throughout Lorain County, OH, trust the professionals at Somers Agency for all of their home insurance needs. This team of agents partners with several top insurance companies to give their customers a broad selection of policies. Whether you need boat, RV, flood, or commercial property insurance, they’re here to help. Visit them online to obtain a home insurance quote, or call (440) 324-3447 to speak with a representative.