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The DOs and DON’Ts of Filing a Claim for Home Insurance in Banning, CA

Little & Sons Insurance Group / Archive  / The DOs and DON’Ts of Filing a Claim for Home Insurance in Banning, CA
The DOs and DON'Ts of Filing a Claim for Home Insurance in Banning, CA

The DOs and DON’Ts of Filing a Claim for Home Insurance in Banning, CA

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.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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