Consider the value of a claim

Insurance companies generally consider your claims history when deciding to continue covering you or adjusting your rates.

So make sure the claim is worthwhile. For example, if the repairs cost only slightly more than your deductible, you may want to consider not turning in a claim and just paying for the repair yourself.

How to file a claim

• Contact your agent or company. Review your policy with them and ask what's covered.
• Ask what information they need to process your claim. Provide that information, including contact information if you cannot live in the home.
• If the loss is due to a crime, such as a burglary, notify police.
• Be ready to provide receipts, photos, etc. to prove your loss.
• Keep copies.

Prevent further damage

• Make temporary repairs, such as covering roof holes with plastic or boards, to prevent further damage and from causing injury to anyone.
• Keep the receipts for materials you use to make the temporary repairs. Submit them to the insurer for reimbursement.

Your claim responsibilities and rights