Everything You Need to Know About Residential Insurance Claims

an adjuster explaining the contents of a residential insurance claim form.

A residential insurance claim is a request for your insurance company to reimburse you for the damage to your home. When you take out a homeowner’s insurance policy while purchasing a house, the insurer provides you with comprehensive information regarding your policy and how to file a claim. They also inform you how they handle a residential insurance claim.

Now, filing a claim can be stressful, especially if you haven’t done so before. Therefore, it is recommended to hire a public insurance adjuster to help you file a residential insurance claim. This guide will explain everything you need to know about home insurance claims.

How Do Claims Work?

Your policy document details the type of losses covered and how much money you can receive to cover them. When you file a claim, your insurer will send a company adjuster to inspect, evaluate and document the damage. Based on the information your insurer receives from their adjuster, they will decide how much money to provide you to replace or repair the damaged property.

You can always dispute the settlement claim and engage in negotiations with the help of your public insurance adjuster to come up with an amount that is agreeable to both parties.

Filing a Residential Insurance Claim

If the damage to your home was due to a natural disaster, the first thing you need to do is get in touch with your insurance company and inform them about the damage and your intention to file a claim.

When speaking to the insurer’s representative, ask about your policy details, coverage, and how long you must file a claim. Check your deductible details as well and try to determine whether your loss will exceed it or not.

At this point, it is worth hiring the services of a public insurance adjuster who can help you fill out the claim forms, document the damage and help you negotiate with your insurer for a fair and equitable claim.

an adjuster providing a pen to a homeowner to sign a form.

It is important to document the damage and record everything that needs to be repaired or replaced. You need evidence to justify your claim. After that, undertake urgent repairs and prevent further damage to your property. The insurer will not compensate you for any damage that could have been prevented if you had taken prompt action after the disaster.

Hire a Claims Professional in TX

As you can imagine, dealing with a residential insurance claim can be quite difficult, and it can be worth investing in the services of an experienced adjuster to increase your chances of getting swift and fair compensation. If you’re looking for reliable public adjusters in TX, check out the services provided by Morgan Elite Specialist Services.

Our experienced team of public adjusters is well-versed in dealing with high-profile and complex residential insurance claims. We provide a holistic suite of services that include damage evaluation, appraisals, and more.

With over 75 years of experience, we are well-equipped to help you with all your residential insurance claim needs.