AllRisk Auto Insurance, LLC Blog
These measures will help you walk through the renters' policy claim process. Assessing everything you need before filing a claim and what to expect beyond the means. By understanding these steps, it'll help you save time and less hassle.
Here are the essential steps involved when you file a claim using your renters' insurance due to loss and damages inflicted.
Report Losses to Your Landlord
Take note of this; your landlord should be one of the first to notify if any damage or loss occurred inside your rented area. The reason is that they own the place where you are a tenant, but they may also be liable in certain situations.
Report Damages to Police
In cases like theft, vandalism, or burglary, it is essential to contact the authority to conduct an immediate investigation and to secure the area where it happened. Please take note that you should report it to the police as soon as possible. A crucial requirement to get your insurance claim is to report the incident to the police in theft or break-in.
Safeguard your Home and Belongings
Before leaving the place to process filing your claim, do not forget to secure your belongings before leaving for your plan.
Contact Your Renters' Insurance Company
As soon as you have successfully informed the police, your landlord, and secured your area, it is crucial to immediately contact your insurance company to report the damage and loss. It should be noted that companies impose a deadline for filing claims after the incident has happened. Typically, it runs between 48-72 hours after the loss or damage has been incurred.
Prepare the necessary information that your insurer may need, such as your policy number, details about the incident, and your mobile number.
Document Your Losses
It is advisable to take a video or a photo of everything damaged to your property for documentation. Doing this will help the insurer assess the situation on a larger scale. Aside from taking videos and pictures, it'll be helpful if you can prepare an inventory beforehand, which will make your claims process easier for burglary incidents.
Complete a Claims Form
Right after completing the necessary documents needed for your losses, you'll be going to fill up a claims form. The insurance agent from your company will then contact you shortly after it was processed. Once you can submit your claim, the insurance company will now head to investigate the situation.
Going through the process of filing a renters’ insurance claim may give you a complex overview, but following these procedures will provide you with a deliberate intake to make things simpler and smoother. We hope that the article proved helpful if you are about to file yours in case of an unfortunate circumstance.
At AllRisk Auto Insurance, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE.