How to File a Claim Against Your Renters Insurance Policy?

How to File a Claim Against Your Renters Insurance Policy

Whether you rent a house or an apartment, you need to protect your possessions as well as your financial status. A good renters insurance policy covers your possessions as well as any personal liability you may experience if someone is injured while at your home.

Here are a few steps you need to take while filing a claim against your renters insurance policy.

  1. Inform Your Landlord

  2. Anytime something happens within your apartment, you need to let your landlord know. Even if no police report is filed, your landlord must be aware of what is going on with their property. You may want to provide them with a copy of your claim for their records. The landlord should also be notified in case any part of the property was damaged or destroyed.

  3. Call the Police

  4. While some circumstances may not require a police report, you may still want to call and log the event. Calling the police is a good way of documenting an event. Filing a police report helps document any event that involves the destruction or loss of your property. It may also help you recover any items that were lost or stolen.

  5. Contact Your Insurance Provider

  6. As soon as you can, contact your insurance agent. You will need to provide them with as many details as possible. Even though your agent may take pictures on their own, you will want to take a few as well. Your agent will help you file your claim, but your contact with them won’t end there. You will have to stay in contact with them throughout the investigation and even after your case is closed in order to update your policy.

  7. Record Your Losses

  8. As you go through your property, make a detailed list of any missing or damaged items. The police will want a copy of the list, as will your insurance agent. Be as detailed as possible to receive the compensation you will need to replace or repair your items. The more complete your list of items, the more likely you will be compensated fairly.

  9. File Your Claim

  10. To file your claim, you will need to meet with your insurance agent and provide them with all your information. This will include a police report, if you have it, a detailed list of your losses, and any photographs you may have of the damage. Be prepared to answer any questions they may have.

  11. Create an Updated Inventory

  12. Once you have filed your claim and everything has been settled, you will want to update your renters’ policy to include any new items that you purchased to replace those that were lost, damaged, or stolen. Make sure to put a copy of your new inventory in a safe place and give one to your insurance agent as well.

Experiencing a loss as a renter doesn’t have to be devastating. At Udell Family Insurance, our agents can guide you through the process of filing a claim if the unthinkable should happen. We know how frustrating it is to deal with an event that disrupts every aspect of your life. Call our office today and talk to one of our agents. We can help you stay on track and make sure your claim is dealt with quickly and efficiently.

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