Insurance claims and property claims payments needn’t be a headache to obtain. Policy holders worry filing a claim is complicated, taking too much time to receive payment. Property owners can set aside their distress and get a check in hand by following these easy steps.

The Insurance Information Institute offers homeowners resources.

New Kingdom recommends:

Setting up contact information

Don’t wait until normal wear and tear or weather damage your property to look for your insurance company’s name and phone number. Put contact info in an easy to find place like your cellphone, on your fridge, or in a folder or file set aside for your home and insurance documents.

Documenting and recording

Keep written and photographic evidence of your property’s condition before damage or disaster. Before and after pictures establish what was and what the state of property is now. Be sure to keep receipts for all major, minor, or seasonal repairs made to your property. All these items can be shown to the insurance company and public adjuster when filing a property claim.

Organizing

Don’t let all your records, time, and effort get lost. Get a folder or a file box to store your records. Include your insurance company’s name, agent’s name and phone number. Place a copy of your policy in the file along with any documentary photographs, other written documents, receipts, and other relevant items.

Reading and knowing your policy

Your insurance policy details what is and isn’t covered and the circumstances.  Be sure to read the terms. Ask your agent any questions you may have or about anything you do not understand. Take a highlighter to passages related to filing and collecting insurance claims.

Completing repairs

Be sure to seasonally inspect your property for damage. Inspect for weather damage just as soon as it is safe to do so. Contact New Kingdom for a free inspection. Carry out any easy or recommended repairs, guarding the value of your most important asset – your home. Failure to do so could lead to further and more costly repairs. These failures can also negatively affect future insurance claims.

Making a list

To file a property claim or an insurance claim, make a list of damages and losses. Contact a licensed New Kingdom inspector to come free of charge to your home. Inspectors are trained to record visible and unseen damages for your insurance claim.

Meeting face-to-face with your adjuster

Trained and licensed New Kingdom adjusters will get you through the process, reducing your stress and anxiety. New Kingdom adjusters use the industry-wide accepted Xactimate software to file insurance claims and property claims. This software saves time and hassle, cutting down payment turn around time.

Acting timely

Being organized with documentation, calling your insurance company and New Kingdom in a timely manner is crucial. If your property damage is due to weather, you may be one of many needing help. Missing documentation or not getting the proper inspection can cause delays.

Contact New Kingdom and reduce your wait time for payment, get your repairs completed, and get on with life.