Insurance Claims Process / Checklist

DHI recommends following this list when making an insurance claim:

1. Report any burglary, theft or other crime to law enforcement authorities.


2. Obtain and file the Case Number assigned by the authorities.


3. Start a Journal in a spiral notebook or 3 ring binder.


4. Log all contacts (name and phone number) and communications with the authorities.


5. In the event of property damage or loss:
   Contact and report your insurance company IMMEDIATELY. Most policies have a time limit for filing claims.


6. Log all contacts (name and phone number) and communications with your insurance company.


7. Make a list of stolen or damaged articles (in your journal).
   View your DHI Home Inventory video at this point as a visual reminder/reference of where things are/were supposed to be.
   Your insurance company may request proof of ownership and value of your reported losses. Your Home Inventory by DHI provides this proof in the form of:
   
   • Video AND
   • Photographs AND
   • Receipts AND
   • Serial numbers AND
   • Appraisals


8. Make temporary repairs to protect your property from further damage.
   
   • Keep all receipts from those repairs.
   • Log these repairs in your journal.


9. If you must move out of your home temporarily
   Log and save receipts in your journal for food, lodging, new clothing, and other expenses.


10. Questions to ask your insurance representative (journal your questions and their responses):
    
    • Am I covered?
    • Does thins claim exceed my deductible?
    • How long will it take to process the claim?
    • Will I need to provide estimates for repairs?

Source: www.usaa.com