And now for everybody’s favorite thing: filing a homeowners insurance claim! Seriously, folks, it’s not as bad as you might think, and the rewards make it all worth it.
First and foremost, get it over with! Do it right away, because most insurance companies have a one-year time limit for claims. Plus, it’ll be good to get it out of your hair.
Read over every detail of your policy to make sure your losses are covered.
When you contact your insurance company, have ready as much information as you can about the damage to your home, businesses, and/or personal and household/office effects.
Because of the current COVID-19 pandemic, your insurance company isn’t likely to require an in-person inspection for small claims. They’ll do remote inspections and collect photo and video evidence.
How quickly you get paid will vary from state to state according to local laws. Other factors influencing your payout are how fast you file, how fast your claim is accepted or rejected, and the size, type and complexity of your claim.
The same is true regarding whether your rates go up after a claim, e.g., if your claim is non-weather related, or a personal liability claim.
Through it all, don’t forget to consult Drypro for any help you need!