We all purchase home insurance to keep our assets and loved ones protected, but the question "how do home insurance claims work" is disastrous. No, one wishes to claim on his or her home insurance, despite paying for it every other month–it simply means something must have terribly gone bad.
The truth is that disasters do happen, and the last thing you want is getting back to normalcy as soon as possible, and your favorite insurance company– San Marcos Insurance Group also wants that. With that said, your insurance company should help make the process as smooth and as fast as possible.
How insurance claim work
The first and probably the most fundamental step is reporting the incident to your insurance provider, officially known as filing a home insurance claim. An adjuster will immediately be sent to your house to inspect the damage. It is he or she who will determine how much the company will reimburse you for the claim.
Most insurance companies in Chandler, AZ, will check for the repairable damages and send technicians to do the repairs. If the house was burnt to ashes, then pure compensation will apply upon which must be granted immediately to help you organize and settle again. Some companies offer a settlement on the spot and pay for the furniture.
Note that your insurance claim adjuster plays a vital role in ensuring that you get fully compensated for all the damage and loss incurred. Therefore, having a competent insurance company like San Marcos Insurance Group will make sure that detailed questions are asked and a note-down of all damage, is done to provide a clear figure of the payment you deserve. For quotes or policy discussion visit us at Chandler, AZ or call us to schedule an appointment.