Crest Exteriors works with a variety of insurance companies to get things back on track for you when the unexpected happens.
Homeowners file home insurance claims for many reasons, including a burglary, damage from a fire or storm or if an injury occurs on their property.
Before filing a claim, you should read your insurance policy to find out what exclusions, limits and add-on provisions, like additional coverage for big-ticket personal items, may be included in your policy. It's also important to find out if there's a time limit on when you can file your claim. But the most important part of making a claim is documentation. That includes receipts and documenting who you talk to, the date, time and details of discussions. You may talk to multiple people, so documenting who you've spoken to and when should help your file process run much more smoothly.
Once you understand your coverage, take these steps:
1. Report to police the issue if there's a need -- For certain types of claims your home insurance provider will require a police report. File a police report and give it to your insurance company to support your claim. Many insurance policies require a police report if a theft or act of vandalism has occurred.
2. Call your insurance company -- Next, call your insurance company as soon as possible after the incident occurs to file your claim. The claims department will assign a claims number and an insurance adjuster to your case. That person will be responsible for assessing the damage and estimating the costs. The adjuster's job is to help your insurance company determine how much will be paid out to you for replacement or repairs.
3. Schedule repairs -- Your insurance company will give you the go ahead to contact us and make an appointment. From there, our team will come out, assess the damage, and present an estimate. If work and pricing is approved, your insurance company will then work with us to take care of the payments for the repaired damages.