Tips On Working With Your Insurance Company
- As soon as you feel your home has incurred damage, you should contact your agent to request an inspection.
- Your agent can authorize any temporary repairs necessary to prevent further damage to your property.
- Your insurance company will usually require receipts for any emergency repairs you have done in order to reimburse your correctly.
- We suggest that you take pictures of the damage prior to any repairs.
- Do not make any permanent repairs until the adjuster has had the opportunity to inspect the damaged area.
- Once the inspection in complete, you will receive a claim sheet outlining the scope of damage and funds being made available for the repairs, less your deductible.
- BMC offers free insurance claims assistance.
The Insurance Claims Process
- Contact your agent if you feel you have a loss.
- You should be contacted by the claims department by telephone or through the mail.
- An adjustor will be assigned to inspect and evaluate the loss.
- The claims adjustor should provide you with an itemized explanation or your claim settlement including your deductible amount and depreciation.
- Most homeowner policies grant coverage for full replacement cost provided the repairs are actually completed. In those cases, the depreciation is deemed recoverable and the final payment is made after your receipts have been submitted and processed.
NOTE: all carriers have their own method of processing claims. This is just a general guideline.
File Your Property Claim
If you need to file your property claim you can do it online by clicking on the links that corresponds with your insurance company. We will work with ALL insurance companies, not just the companies that are listed here. For more information, please contact us today.