Has something gone wrong in your rented apartment – perhaps a robbery or damage to your property? If you have insurance coverage, the next thing that should come to your mind is making use of it. However, you need to know the steps to take when filing renters insurance claims.
Filing Renters Insurance Claims
Below are the steps to take for filing renters insurance claims:
Tell the landlord
Any losses or damages should be reported to your landlord as soon as possible. Your landlord may be liable for any broken doors, windows, or other property damage.
Call the police
If you are the victim of a theft, vandalism, or burglary, you should contact the authorities as soon as possible. If your renters’ insurance policy covers theft, you’ll need to document the theft or a break-in before filing a claim.
In addition, a police report will give additional paperwork for your renters’ insurance provider. It will also speed up the claims procedure. If your insurance company asks for more information, ensure you get the names of any police officers you speak with.
Secure your home
Before you begin the claim process, ensure the rest of your possessions and property are protected. To guarantee your safety, board up any broken windows and make any other necessary repairs, such as changing the locks. Keep all receipts for maintenance and repairs as a matter of course.
Contact your insurer
One of the first things you should do after property damage or loss is notify your renters’ insurance company. This is in addition to contacting your landlord, calling the police (if required), and safeguarding your items.
Document the losses
Make a video or image of everything that has been harmed when you begin recording your property.
Fill out a claims form
After recording all of your losses, you’ll need to fill out a claims form. You’ll usually get a call from a claims agent after you’ve phoned the renters’ insurance company. It’s also crucial to maintain track of all of the details on your claims form.
