How to submit a claim for home or property insurance
Sunday, December 13, 2020
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We are sometimes confused by what to do when something happens that causes a loss to the house, such as fire, damage, or theft. But this is not the case for you who insures his house.
With home insurance owned, losses from various things that arise as a result of events covered by the insurance policy will be covered by insurance.
To take care of these claims, of course there are terms and conditions that must be met. What are they? Check out our review below!
Create a Home Insurance Claim Report
In the event of a disaster that causes damage to your property or home, immediately contact an insurance agent or claim section in the insurance company that you follow.
Later you will be asked to make an insurance claim report, with the following data:
- Date and time of the incident.
- Location or address of events.
- List of damage or loss experienced.
- Contact numbers of beneficiaries that can be contacted, such as telephone, fax, or e-mail.
- Estimated loss.
If you have received a notification that the claim is being processed, immediately ask for documents and / or appointments to the insurance adjuster so that the insurance money can be obtained immediately.
Completeness of Documents in Home Insurance Claims
There are several types of losses that are usually included in home insurance claims, of course there are differences in the completeness of the documents that must be prepared for each of these losses.
1. Insurance Claims for the Risk of Theft
Complete documents that must be prepared include:
- Official claim letter to insurance company.
- Details of missing items including detailed specifications (proof of purchase is required to verify the value of lost items).
- Chronology of events that explain the occurrence of theft, including information when you last saw / used the item in good condition and who first learned about the loss of the item.
- Certificate of Missing from the Police.
- Price offer for repair or replacement of lost items.
2. Insurance Claims for Damage Risk
Completeness of documents that must be prepared include:
- Official claim letter to insurance company.
- Item details or damaged part of the house including specification details.
- Chronology that describes the incident, including information when the last look / use of the item is in good condition and who is the first to find out the damage.
- Technical report from the person appointed to analyze the cause of the incident and how severe the damage was, and the possibility of being repaired or not.
- Price offer for repair or replacement of damaged goods.
The documents mentioned above are only general, depending on the policy of the insurance company or the conditions stated in the policy. If the documents are inadequate, documents will usually be searched for and additional information regarding the losses by the insurance.
COVER
Usually, these additional documents or information depend on the situation and condition of the incident. Insurance adjuster will conduct data verification and investigation regarding cases of loss and damage that occur in our homes.
Source:
http://bangunrumahkpr.com/rumah-kpr/asuransi-rumah/process-klaim-asuransi-rumah
With home insurance owned, losses from various things that arise as a result of events covered by the insurance policy will be covered by insurance.
To take care of these claims, of course there are terms and conditions that must be met. What are they? Check out our review below!
Create a Home Insurance Claim Report
In the event of a disaster that causes damage to your property or home, immediately contact an insurance agent or claim section in the insurance company that you follow.
Later you will be asked to make an insurance claim report, with the following data:
- Date and time of the incident.
- Location or address of events.
- List of damage or loss experienced.
- Contact numbers of beneficiaries that can be contacted, such as telephone, fax, or e-mail.
- Estimated loss.
If you have received a notification that the claim is being processed, immediately ask for documents and / or appointments to the insurance adjuster so that the insurance money can be obtained immediately.
Completeness of Documents in Home Insurance Claims
There are several types of losses that are usually included in home insurance claims, of course there are differences in the completeness of the documents that must be prepared for each of these losses.
1. Insurance Claims for the Risk of Theft
Complete documents that must be prepared include:
- Official claim letter to insurance company.
- Details of missing items including detailed specifications (proof of purchase is required to verify the value of lost items).
- Chronology of events that explain the occurrence of theft, including information when you last saw / used the item in good condition and who first learned about the loss of the item.
- Certificate of Missing from the Police.
- Price offer for repair or replacement of lost items.
2. Insurance Claims for Damage Risk
Completeness of documents that must be prepared include:
- Official claim letter to insurance company.
- Item details or damaged part of the house including specification details.
- Chronology that describes the incident, including information when the last look / use of the item is in good condition and who is the first to find out the damage.
- Technical report from the person appointed to analyze the cause of the incident and how severe the damage was, and the possibility of being repaired or not.
- Price offer for repair or replacement of damaged goods.
The documents mentioned above are only general, depending on the policy of the insurance company or the conditions stated in the policy. If the documents are inadequate, documents will usually be searched for and additional information regarding the losses by the insurance.
COVER
Usually, these additional documents or information depend on the situation and condition of the incident. Insurance adjuster will conduct data verification and investigation regarding cases of loss and damage that occur in our homes.
Source:
http://bangunrumahkpr.com/rumah-kpr/asuransi-rumah/process-klaim-asuransi-rumah
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