Picture a situation where you return home, only to find your front door unlocked and some of your most valuable possessions gone. Maybe you experienced an electrical surge and now some of your appliances have stopped working. Or there’s a chance that a hailstorm or other weather occurrence has damaged your property. No matter the situation, your renters’ insurance will likely cover it.
If you’re in the unfortunate position of needing to file a claim with your insurance, it will actually involve more than just calling up your insurance agency. Here are the steps you are required to take by the state of North Carolina to ensure you get proper coverage:
Notify Your Insurance Agency (And The Police, If Applicable)
Call them to let them know what has happened and what the damage is. If you have experienced a theft, call the police and file a report. Keep this paperwork, as you will need it later during the file claiming process. Additionally, if the theft involved a loss of credit cards or debit cards, call your bank immediately.
Protect Your Property
Do whatever you can to prevent further loss or damage. Keep a record of what you spend on these temporary repairs, including things like covering broken windows or putting a tarp on your roof.
Record The Damage
Sit down and make a thorough list of all damaged, destroyed, or stolen property. Take photos for your own records, and this can also be useful later on in the claims process. Gather any and all bills, receipts, or other related information that can document your possession of these items.
Share This With Your Agent
Once you’ve gathered all this information, send it over to your insurance agent. More than likely, this will be enough, but make sure to follow their instructions on how to proceed.
Although it may be a stressful time, having to file a claim under your renters’ insurance policy can be an easy process. Amistad Insurance Services can help. Give us a call today at (919) 926-7166 to learn more about your options for Raleigh renters’ insurance.
