How to Claim Damaged Goods for Insurance
If you own your own home, it is critical that you have sufficient homeowners insurance in place. Without such coverage, it will be difficult to replace the assets you have worked so hard to accumulate. Chances are your insurance policy provides coverage for the contents of your home as well as the physical structure. To take full advantage of such coverage, you must know to know how to go about filing a claim for damaged goods.
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Instructions
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Take detailed pictures of any damage that has been done. Be sure to take pictures from various angles so the insurance claims adjuster will be able to clearly see the damage.
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Look for any old photographs of your property before it was damaged. This will help document the damage that has been done.
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If the damage is the result of an attempted burglary or other criminal activity, make sure you have a copy of the police report. Be sure it details any damage that was done to your property.
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Upload all of the photographic evidence you have gathered to your computer for safekeeping. Create a folder specifically for your insurance claim and place all documentation, including photographs, scanned copies of any police reports, and copies of emails and letters to and from the insurance company.
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Contact your insurance company for instructions on how to file a claim. In some cases, you may be able to do so via the company's website. In other cases, you may need to wait for a hard copy claim form in the mail. When filing your claim, be sure to attach copies of all documentation, including police reports, photographs and appraisals.
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