What You Need To Know When You File An Insurance Claim On Your House

With all of the homes on Casper Mountain being threatened by the fire, I called up the folks at The Stengel Agency and asked what the process was for filing a claim. Many people, myself included, just

pay their insurance payments with the hope of never having to collect. If a disaster does occur, calling your insurance agent is probably going to be low on your list of concerns right away, but the sooner that phone call takes place, the quicker you can rest at night. Instead of just blowing me off, Amy actually typed up the process, and sent it to me. Below, in her words, is the process of filing a claim, as well as some things you may want to check - just to avoid any surprises.

click here to learn more about the stengel agency

If your home were to burn down, to start a claim, call your agent. He or she
will give you a phone number to call the claims department. When you call in
your claim, be sure to have your policy number ready (your agent can also give
you this).

The claims department will ask a series of questions regarding the
loss. After that, they will give you a claim number and assign an adjuster to
your claim. The adjuster is notified of the claim and they contact you. The
adjuster comes to your house and assesses the damage. He or she will come up with a
dollar amount for your home as well as your personal property. Once you get
the check, you will contact a contractor to start rebuilding your house. The
insurance will only pay up to the amounts stated on your policy.

Some other good things to know about your policy:

How much your policy will cover for the house. This is "Coverage A" or
Dwelling amount.

How much your policy will pay for your personal property or "Coverage C"

Your "deductible" is. This is the amount you will have to pay out of pocket
for the repairs.

"Loss of Use" - This coverage pays for a hotel, food and other expenses you
wouldn't have had prior to the fire, while your home is being rebuilt. Some
policies pay for a certain amount of months and others pay up to a certain
dollar amount.

Filed Under: Claims, Insurance, Wildfire

Categories: Casper News