Maximizing Your Home Insurance Claim: 6 Tips to Remember

From major winter damages to busted piping, insurance policies like the Gunning and Associates Home Insurance policy is designed to provide you with the help you cover for your rebuilding expenses. Once you are insured, the only thing left to do is to go to the company and file a claim. In order to maximize your policy, there are a few things you need to keep in mind.

Review the Coverage Carefully

Before you file a claim, you need to understand what the policy will cover. Every policy in the market has very different coverage terms. In fact, even the same insurance policy will have a different coverage depending on the company providing it and the client’s specific background. Thus, you have to read what the company can cover for your house and how much you are going to receive. This way, you can carefully plan how you are going to use the money.

Document the Damage

When it comes to insurance claims, the burden of proof will lie on you. As you claim for home insurance, make sure that you have extensive documentation over what was damaged in your house. Any written transcript, recording and even eye witness account will be effective in proving that your house actually got damaged after an event.

Before you go to the company, have an inventory of what was lost or damaged during the accident. Receipts, estimates and any legal document stating the value of valuable items will really trump up the value of your insurance claim.

Use Pictures and Video

Visual documentation will also play a key role in proving your claim. Snap some pictures or have a video recording and bring it with you when you claim for the insurance. Also, bring a picture of the place before damage was done. This will help the company know what happened in your house and what needs to be repaired. Make sure that the documents have a clear date so as not to give the insurance assessor any doubt.

 

Make Temporary Repairs

Do not wait for the claim to be approved so you can start repairs. There are instances when insurance companies will doubt a claim if one takes too long to have the place fixed. Thus, it is best to restore the house’s vital systems immediately after any damage. The plumbing and windows, for instance, need to be repaired as soon as possible as they will be responsible in making the place habitable again.

Also, repairs have the tendency to increase the amount you are going to receive once the claim is approved. Don’t worry about making extra expenses when doing repairs; the company will reimburse most of it, if not all, so as long as you present receipts and documentation.

Stand Your Ground

In the event that your initial claim was denied, you should not assume that everything now is over. Many insurance claims like Gunning and Associates Home Insurance can be given a second chance if the claimant would provide strong evidence once they counter the claim denial. The only thing you need to do is to give the company the assurance that your home is not an accident-prone area so that your claim can be approved as soon as possible.

Save Money with Seattle Best Auto Insurance Company

Many individuals secure their properties with insurance. As for their cars, there is also a specific auto insurance being provided for the purpose. However, insurances could be really expensive. This is a fact that makes so many people worried. They often think that it would be too much to spend for a car insurance when they can just take care while they are driving on the road in Seattle. What the people don’t know is that they can actually get great offers from a Seattle best auto insurance company.

Most states in the US require car owners to insure their vehicles. There is a law stipulating that it is compulsory to have your car insured, whether you use them for short or long travels. You have to know that there are ways to help you save money on your auto insurance in Seattle. Read through the list below and learn about the secrets to saving money even with the best auto insurance company in Seattle.

1. If you currently don’t have insurance for your car yet, you may need to find the best one around Seattle. You can find different auto insurance companies in the area and you can start by looking for them over the internet. You can talk to several companies and ask for a quote. Come up with a shortlist from your research and choose the best company that can provide you with the things you need.

2. Find a company that is based locally in Seattle.most local companies offer bundles with very good prices than the ones you get from out of town. Although, you will have to make sure that the company you purchase insurance from is licensed. You may check the company’s history and see if they have treated their past customers well.

3. Choose an insurance plan that has high deductibles. In any case your vehicle is involved in a wreck, you can get a higher amount to use for the expenses you need to settle for the accident. This tip may not allow you to save upon purchase, but it will be able to give you more than what you need in time.

4. Choose insurance plans that allow you to customize the features. There are very cheap insurance packages that you can apply for, but most of these packages are not able to provide you enough insurance for your vehicle and for yourself. If you pay for them, it will end up almost invaluable. 

5. Don’t hesitate to ask for discounts. Some companies may not tell you about this. There are actually bundles, which prices can be adjusted to your payment abilities. Always ask for discounts and for ways to help you get the best price for an auto insurance in Seattle.

6. Get a policy that covers all your cars in the household. The more cars you enroll in a single policy, the bigger money you can save.

Be a safe driver and keep your car maintained regularly. The companies will look into your history. If you had car accidents in the past, they may charge you high for being in the high risk population. Even a Seattle best auto insurance company will give you the same advice.