Instances when you should file a home insurance claim.

If you have homeowners insurance in place, then you probably know to use your coverage in the event of major property damage.  However, many homeowners do not know the other situations in which they should access their insurance coverage.  If you ever find yourself in these situations, then it’s time to give your home insurer a call.

You’ve Been Robbed or Vandalized

If your home has been broken into or vandalized, then the first call that you should make is to the police.  After you’ve reported the incident and the police are on the way, you should call your home insurer.  The property portion of your coverage will help you address any damages to your home, and your personal property coverage will help you replace the belongings that were stolen during the incident.

A Guest Injures Themselves in Your Home

While you don’t need to call your insurance provider for every stubbed toe and paper cut that takes place in your home, you should get in touch with your agent if a guest sustains a more serious injury.  This is because your homeowners insurance offers coverage for medical expenses.  By calling your insurer, you can access this coverage, ensure that your guest gets the immediate medical attention that they need, and make your claims process proceed more smoothly.

These are some of the situations in which you should contact your home insurer as soon as possible.  Do you have more questions about your homeowners insurance coverage?  If so, then contact the experts at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is eager to assist you with all your coverage needs today.

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