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Having the right homeowners’ insurance policy can help offset the financial pain a disaster can cause and help you start to move forward.
To receive an insurance settlement for covered losses, you need to file a claim. There are a few things the Insurance Information Institute recommends you do when filing a claim:
Note: If you have a mortgage, you and your mortgage lender may be named on the settlement check. Your lender might hold the funds in an escrow account until the contractor needs to be paid.
Some claims are resolved quickly, while others can take months. The better prepared you are, the easier the process will be.
Pro tips to speed up the claims process:
This is something you need to do before disaster strikes. It might take some time now, but will save you a lot of hassle in the long run.
A home inventory is a documentation of your belongings. The easiest and most effective way to do this is to go throughout your home, taking a video of what you own. Include each item’s value and the serial numbers of appliances, if possible. Make sure you keep your inventory somewhere you can easily access it – even if your home is destroyed.
When the worst-case scenario happens, we’re here to help you through it. Call our office at 800-369-2501 or request a quote online to make sure you have the coverage you need.
Bell Insurance Services, LLC is a wholly owned subsidiary of Bell Bank. Products and services offered through Bell Insurance are: Not FDIC Insured | No Bank Guarantee | May Lose Value | Not A Deposit | Not Insured by Any Federal Government Agency.