Your renters insurance can provide financial protection against many common perils and incidents. However, simply purchasing coverage may not be enough to ensure you’re reimbursed for covered losses. You should also ensure you have a comprehensive understanding of the claims process, as this knowledge can make all the difference in the aftermath of losses. 
Key Steps When Filing a Claim
In the wake of a covered incident, knowing how to proceed and what to expect when filing a claim can be crucial. In many cases, submitting your claim with promptness and accuracy is key. Although exact processes may vary depending on your carrier, you should generally be prepared for the following steps:
1. Contact the appropriate parties. One of your first steps should be to contact your insurance company right away. Inform them of the incident, provide as much information as possible and formally begin the claims process. You may also need to contact law enforcement, as police reports may be necessary for certain incidents, such as burglaries and vandalism.
2. Document the situation. Gather evidence of your losses. This should typically include photographic and video evidence of damaged property and injuries. If you keep a home inventory or save receipts for affected items, this information will also be important.
3. Make temporary repairs or arrangements. If your rental requires immediate repairs, check your policy to verify what’s covered and make sure you save receipts for your costs. Refrain from major repairs or renovations until your claims process is complete. If you must vacate your home temporarily, save any receipts from hotels or restaurants.
4. Meet with your claims adjuster. Your insurance company will assign a claims adjuster to your case. This person will likely visit your home to assess your losses. Make every effort to be present during this inspection, as you can provide information and ask questions. Keep copies of all correspondence with your claims adjuster.
5. Close your claim. After assessing the situation and analyzing your policy, your claims adjuster will make a decision. If your claim is approved, you’ll be offered a payout. If you disagree with the offer or your claim was denied altogether, you can dispute the decision. These processes may entail working with your insurance company, contacting your state’s department of insurance or enlisting legal assistance.
We’re Here to Help
Contact PAC Insurance Agency, in Hoover, Louisiana, today to learn more about renters insurance and the claims process or to compare quotes for personalized coverage.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.