Your homeowners insurance is an integral part of securing one of the most important and expensive investments you’ll ever make. However, while you likely understand the general role that your policy plays in financially protecting your assets and interests, many homeowners may not be prepared to navigate the claims process. At Dixon Blackwood Insurance, Inc., we’re happy to help homeowners in Sumter and Summerton, SC be prepared for these scenarios.
Key Steps for Filing a Home Insurance Claim 
Filing a home insurance claim can be a stressful time. You’ve likely just been through a difficult ordeal, such as a fire, break-in or accident, potentially making it hard to focus on the task at hand. That’s why knowing how the claims process works ahead of time can help make things function smoothly and with limited additional stress.
When submitting a claim against your home insurance policy, be mindful of the following steps:
1. Contact authorities. If a crime has occurred or it’s otherwise necessary, contact law enforcement and emergency services. Their documentation of the incident in question may be a key part of your claim.
2. Document losses. As long as it’s safe to do so, go around your house and document structural damage or missing belongings by taking photos and videos. If you have receipts or serial numbers for affected items, gather them as well.
3. Open your claim. Reach out to your insurance company and notify them of your incident and claim. Provide any information you’ve documented, as well as a police report if applicable.
4. Meet with your adjuster. Your insurer will likely dispatch a claims adjuster to assess your losses and investigate the incident. Be prepared to work closely and cooperatively with this individual, as their findings will likely determine the outcome of your claim.
5. Weigh adjuster’s decision. After analyzing your situation, your insurer may offer a payout to help with your losses. If you disagree with the amount or your claim is rejected, you can submit an appeal with your insurer, contact your state’s Department of Insurance or enlist outside legal aid.
We’re Here to Help
The knowledgeable and dedicated team at Dixon Blackwood Insurance, Inc. takes pride in helping homeowners secure suitable coverage and navigate the claims process. Contact us today to learn more.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.