One of the questions that we at North Georgia Insurance Center are frequently asked is what can someone expect when filing a homeowners insurance claim in the greater Commerce, GA area. Here are a few of the things that you can expect if you should ever have to file a homeowners insurance claim.
The Initial Phone Call
When you need to file a homeowners insurance claim, the first thing that you will need to do is phone your insurance company. During this initial phone call, you will be asked to provide basic information, such as your name, policy number and the type of damage that exists. The insurance agent will likely ask you how the damage occurred as well.
An In-Person Inspection
After you have filed a claim, your case will be passed on to an adjuster. Typically, the adjuster will arrange for an in-person inspection of the damage done to your home. This typically takes a couple of days at least. During this time, the person the insurance company sends out will note what caused the damaged and what they value the costs to be to repair the damage.
Negotiating the Settlement
Once your claim is accepted, you can begin negotiating a settlement. It is best to have a few quotes from contractors on hand to help you negotiate a fair settlement. However, be sure to deduct your deductible from the quoted price. In some cases, the insurance inspector values the repair work low and in other cases, they value it fairly. Having quotes on hand helps you to show that they valued the repairs too low if that is the case. Once the settlement amount is negotiated, you will be sent a check to begin the repair process.
Having the right insurance limits in place is key in case you ever have to file a homeowners insurance claim. If you are not sure if your insurance rates are ideal for you, or if are looking for a new policy that increases your limits, contact North Georgia Insurance Center, serving the greater Commerce, GA area today.