3 Critical Questions to Ask Before Filing a Home Insurance Claim

3 Critical Questions to Ask Before Filing a Home Insurance Claim

Burst indoor pipes.  Fires.  Sewer backup.  Burglary.  Downed trees.  Life happens and, as home owner, there’s a decent chance that you’ll need to make a home insurance claim.

Most home owners are only given a toll-free 1-800 # to call when they need to make a claim. If you make that call (assuming you can even find the number!),  your conversation may be recorded as a claim made, even if you decide to pay for it yourself and not make a claim. This could lead to higher premiums, and the loss of your 10-15% claims free discount for several years.

Here are three questions that you need to ask yourself before making that call.

  • Do you know what to say, what not to say, to whom, and why?policy
  • Do you know your rights, or are you just along for the ride while the insurance company drives you?
  • Are you empowered with all the information you need to get more money, faster from a claim?

It is important for you to have a positive experience during what can be a stressful experience.  This will help you feel less pressure to settle or compromise for less than you deserve.

Three questions that are easy to ask, but not so easy to answer.

Need help answering them?  Call me at 1-800-799-9040 for a HomeGuard Property Insurance Audit.  I’ll conduct a thorough audit of your insurance policy (including rental and seasonal properties) and provide you with a simple report outlining the risks in your coverage that I find.

Around-larrynd we always discover something!

Larry Hoover is the President of HomeGuard, Canada’s premier provider of Property Insurance Audits and Professional Home Inventories. 

When reviewing a policy, he always finds something that you need to clarify or change.  He helps rental property owners stay protected and informed. 

Contact him today at 1-800-799-9040 to order the HomeGuard Property Insurance Audit.