How to deal with the insurance company if you are a homeowner and don't want to hire a lawyer in case of a property damage?
Property insurance is the shield homeowners use to protect their property from physical damages; vandalism, theft and fire are some of the most common reasons causing property damages. A typical homeowner insurance policy has two key sections; Section I deals with the property of the insured while Section II deals with the provision of personal liability coverage. Any person owning or leasing a home requires suitable property insurance as no home can be secured from unanticipated damages.
In case of any damage to property it is important that the homeowner takes care of the following important points:
A wide range of property damages often are excluded from insurance coverage, for example property damages caused due to an earthquake. The homeowners must be aware of these exclusions in order to restrict themselves from making hasty insurance claims. Insurance companies are typically infamous for raising premiums and cancelling home insurance policies of customers’ making repeated unnecessary insurance claims. This is a pretty serious issue; a research done by the Insurance Agents and Brokers of America (IIABA) reveals that nearly three million American homeowners have lost their insurance coverage since 2003 due to the problem of frequent claim activity.
It is important for homeowners to be tactful and only file for an insurance claim when there is a real damage to their property. Homeowners filing insurance claim themselves without any representatives normally pass through the following three main steps:
To find out more about insurance claims, please visit www.roofinggiant.com/claims
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