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Making a Property Insurance Claim

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Making a Property Insurance Claim


When it’s time to make an insurance claim, the more prepared you are, the more smoothly it’ll go. Be familiar not only with your policies, but also with the steps you should take to file a claim.

Preventative measures

It’s important to know beforehand what to expect form the insurance company. When you buy any insurance policy, read the contract carefully and learn specifically what isn’t covered. Know what numbers to call and the type of information you’ll need when speaking with a claims agent.
It’s also a good idea to make an inventory of your belongings and keep the list in a safe deposit box. Make sure to include:

Preventative Measures

Descriptions of possessions; for example, the makes and model numbers of electronic equipment and appliances


Photographs or a video showing the condition and quality of your insured items, especially jewelry, antiques and collectibles


Appraisals of expensive items such as antiques, artwork, furs and jewelry


Receipts documenting purchase prices; cancelled checks or credit card statements also can be used

When trouble strikes

File a complete and accurate claim as soon as possible. Take the time to fill out everything the way the insurance company wants it. Or, if you’re on the phone with a claims agent, be extremely detailed in your descriptions and be certain all your information is correct.

Property Insurance Claim

File a police report in the event of theft or vandalism. Your claim may be denied if you don’t


Write a detailed account of any incident immediately after it occurs so you’re more likely to remember what happened


Take photos of any damage


Call your agent and send a copy of the police report. Follow their instructions on how to proceed.

Filing a claim can be stressful, but being properly prepared and knowing what to expect will help move the process along, possibly allowing you to receive the funds you need to cover your losses in a more timely manner.