Being an insurance agency, we get to see the claims process first hand and even though we are agents, we are also clients and know claims can be daunting.

When a disaster strikes it is never easy to know who to trust, where to turn, or what steps to take in navigating the claims process. 

Here are some helpful tips to guide you in an event of a homeowners claim:


1. What is the Damage?

The first step in navigating the claims process is to know what type of claim you are filing. Access the damage to the home to have information readily available for anyone involved in the repair process (agent, claims adjuster, contractors etc.).  


2. Know Your Deductible  

When filing a claim through your homeowners insurance, the deductible is the amount you are responsible for prior to the insurance company paying out. You can call your agent for this information (760)245-2561


3. Get Estimates

Now that you know what your deductible is, it is helpful for you to get an estimate from local companies to help you determine the extent of the damage.  If you have a $500 deductible and the repair cost $300 you would not want to file the claim because the cost to repair is less than or equal to your deductible resulting in the insurance not paying out.

Note:  The estimate is not mandatory, it is just a helpful tip and you can file a claim at your discretion. However, if you file a claim and the repair does not exceed your deductible, the claim will be denied, and the insurance company will require proof that the damage(s) have been repaired.


4. Filing the Claim

Now that you have accessed the damage, confirmed your deductible, and received estimates for repairs, you are ready to file a claim. What’s next? You will call your carrier and/or insurance agent to get the claims process started. Once the claim is filed you will be assigned an adjuster to work with you in recovering the loss.



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