Filing a claim for home insurance in Banning, CA is something we hope we never have to do, but it's important to know the procedure if the time ever comes.
A disaster that affects your home is something we wish will never strike. These disasters can be an extremely traumatic experience that could change your life forever. Knowing what to do and what not to do can be useful if you ever have to deal with these kinds of traumatic experiences. Even if your disaster isn't that life-changing, having less stress to go along with your claims process is always a welcomed experience. Here are the DOs and DON'Ts of filing a claim for home insurance in Banning, CA.
DO . . . call your home insurance company
Of course, the first thing you should do after a disaster is making sure your friends and family are all safe & sound. It is important to call your insurance company as soon as you can to avoid any issues that could arise, and definitely call your insurer before you call any contractor.
DON'T . . . assign your benefits to your contractor
When you hire a contractor, they'll likely make you sign a document (the Assignment of Benefits) that gives them full control of the claims process. This includes any ownerships of payments. Some contractors have left the job unfinished and take the money and run.
DO . . . take pictures
You'll want to document the damage, but be sure not to put yourself in danger. If your house has been burnt to the ground and the ashes are still hot, don't step on the ashes to get the right angle for your documents. You will want to share these pictures with your adjuster.
Getting the right insurance coverage shouldn't be a task you have to worry about, so
contact Little & Sons Insurance Services. Our dedicated team can help you get the right
homeowners insurance. We serve Banning, Beaumont, Calimesa, Redlands, and the surrounding California area and can help you protect yourself against the risks you face.
