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FOWLER INSURANCE, INC.

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Homeowners ~ CLAIMS Frequently Asked Questions
 
Think of the questions your customers ask most frequently and write them here along with the answers.



A: Your claim should be reported directly to the insurance company when you are ready to submit.  You will be able to answer questions asked by the company that we may not know the answers to for you.  Once your claim has been reported, an adjuster should be contacting you within 24 hours.  If you are not sure whether or not you would like to make a claim or have questions about how to report a claim, feel free to contact your agent during business hours to walk you through the process.

A:  Not all water damage is covered under your homeowners insurance.  Flood Insurance is not automatically included with your homeowners coverage and in most cases it is a seperate policy that needs to be purchased.  Maintenance type issues and slow leaks are not covered under your homeowners coverage.

A: It is a good idea to contact one of the local remediation companies to come out and take a look at your damage and estimate what it would take and how much it would cost to get your property restored.  We recommend United Restoration or ServPro for your remediation needs.  Keep in mind that if the damage was not caused by something covered under your homeowners policy, you will be responsible for all charges incurred for these estimates and any work done by these companies.

A: It is your responsibility to prevent further damage to your property after a loss.  You are responsible to reasonably protect your property.  Covering a damaged roof with a tarp after a storm would be an example of protecting your property from further damage.

A: It is important to have documentation of your property stored somewhere you can access it from anywhere.  Photos stored in an email or documentation kept in a safe deposit box would be ideal.  In the event of an area-wide catastrophic loss,

A: It's a good idea to use a different format, such as bold, for the questions, so that it is easy to distinguish them from the answers.