Home insurance is something that every homeowner needs to have in place and making a claim is easier than you might imagine. For those that live in the Charlotte, NC area the agents with Jim Boyce Insurance can help answer all your questions and get your claim off to a great start and an even better finish.
The first step to any claim is to take some photos yourself. This does not mean get up on your roof and investigate or move things around, simply take photos of what you can see from your vantage point. Also, writing down what happened can help keep details fresh so that when the adjuster comes, you have a reliable account of events. Next, you need to contact your insurance agent or insurance company to start the claims process.
Your agent will ask you basic and involved questions so that they can get the most information possible before the adjuster ever even comes to your home. You will then set up a time for an adjuster to visit your home. They will talk with you about what happened and take an account. They will then investigate and look at the damage to assess what can be done. After they take photos of the damage and get an account of what happened, they will compile a report to return to the insurance agency.
The agency will then look at the findings of the report to determine how much money to pay out or what to do next. In most cases, the adjuster can give an estimate on how much work is going to cost or you can get a quote from an agency that is either approved by the agency or that you have found. This will then be taken into consideration for pay out. For those in the Charlotte, NC area, the agents with Jim Boyce Insurance can help.