Property Insurance in Pennsylvania

Property insurance in Pennsylvania will offer you great assistance when those unforeseen incidents, accidents, and damages start to rear their ugly heads. While it might feel comfortable to sleep at night knowing your home is protected by insurance from, people often find themselves at a loss when they finally encounter the need to make a claim. If and when you experience a loss, make sure you follow these steps in order to ensure your claim sees approval.

What to Do When You Experience a Loss

  1. Prevent Further Damage – If an area of your home burns down, if a tree falls on your roof, or if a storm manages to cave in one of your walls, you should expect that this will get worse over time. You will want to reduce the chances of further damage, especially if your insurance provider has not yet seen the situation. Take photos of the destruction and apply temporary repairs where necessary just to save the rest of your structure from giving in completely. Make sure you keep copies of the receipts associated with these repairs so you can get reimbursement for those expenses as well.
  2. Inform of Address Changes – In the event that you are unable to live in your home, you should contact your insurance provider and inform them of the change of address. Be sure to supply them with the necessary contact information so that nothing gets lost in transit. If you were able to purchase coverage here for loss of use or additional living expenses, your insurance company will cover for the costs of the temporary apartment or living space that you need to move into during the time your home is deemed unlivable.
  3. List Down Your Losses – This is probably the most important step in the process and should be performed with utmost care. Itemize your losses and include copies receipts for larger items like appliances, furniture, cameras, computers, and other electronics. In the case of a burglary, inform your local police unit or enforcement agency and file an official report as this will help prove the incident to your insurance provider. The best way to get the most of your insurance claim is to provide your insurer with all of the necessary documents and accurate accounts of what happened and what was damaged. This way, you can save yourself from having to go through the long process of proving your claim.
Categories: Home Insurance