Sometimes, the best you can do after a disaster is fix what’s been broken. Fortunately, that’s what homeowner’s insurance is for. If your home or belongings are damaged, such as by fire or theft, homeowners’ insurance will provide you with the coverage needed to pay for repairs or replacement. You still have to do a bit of maintenance to keep things in shape, but if the worst happens, despite your best efforts, homeowners’ insurance will take care of the bulk of the expenses. Filing a claim may seem daunting at first glance, but it can really be done in three easy steps.
Those Three Easy Steps
First, document everything thoroughly and immediately. That means clear photos or videos. Next, communicate clearly with your insurance company the date and time of the incident, along with all mitigating factors and any other relevant information. Keep in contact with your agent for optimum success. This will help you promptly address any discrepancies or issues.
The Value of Home Maintenance
One of the few things homeowners’ insurance does not cover is damage covered by pests. Pests result from poor maintenance, so keep up your house so that pests don’t enter in the first place. Your homeowners’ insurance may give you a discount on items that will help keep your home maintained, such as smoke alarms or home security systems. Do not ignore even minor leaks, as those can quickly become something disastrous that your insurance won’t cover because they are the result of negligence. A stitch in time does save nine.
Contact Options Insurance Agency in Hershey
If you need homeowners’ insurance and are in the Hershey, PA, area, please contact Options Insurance Agency. We’re ready to help.
