Homeowners insurance - How to Receive your Claim Check in a short time

By Adams Bridges

If you need to file a claim with your homeowners insurance provider, you have to know how to be ready to avoid any dispute concerning how much the company will pay you. And how does it take to receive your check and start repairs. In this article you will learn how to make your claim approved quickly.

The first thing your Homeowners insurance company ask you in case you need to file a claim is a proof of your ownership of damaged or stolen items and how much does it worth. Be prepared and take accurate detailed inventory of every single room, the attic, and the backyard. Use a camcorder to tape every room contents. Make sure your belongings are neat when you make the tape. New or expensive item covered in dust may appear to be worthless.

You will be surprised by the large number of new items you bought over years. Therefore when you made your inventory you should update it annually. After every new purchase you make, it's recommended to send a copy of the purchase bill with a picture of your new item to your homeowners insurance agent and put another copy of those documents in safe deposit box in case your possessions damaged or stolen.

If your dwelling construction completely or partially damaged in a fire or any other unforeseen mishap and you are to file a claim with your homeowners insurance company. You have to seek the opinion of an expert such as contractor to determine the home repairs cost, to know how much money you need to repair or rebuild your home. Before your homeowners insurance adjuster visit your property to estimate how much your claim settlement will be.

Filing a claim is not a complicated procedure. All you have to do is filling in your homeowners insurance claim form with complete and accurate information. Reviewing your updated inventory list makes things easy to you if you face any difficulty to remember every single item's serial number, purchase date and price. Attach your belongings receipts to the paperwork when you file the claim to avoid the hassle with your homeowners insurance company.

Receiving your check after you filed a claim may take a few days or a few weeks. If your claim approval takes time more than that, you should call your homeowners insurance adjuster and if you fail to reach him try to contact his supervisor. It's a great idea to check your homeowners insurance provider financial stability, before you buy your policy. It isn't too late to check your company complaints rate from your state department of insurance website, if your claim takes a long time to be approved.

Filing a claim with your homeowners insurance company is an easy task if you were prepared by taking into account all those tips explained above.