When you experience a loss or a disaster and have to file a homeowners insurance claim, your actions can make all the difference.
- If you were not home when the damage occurred, be careful entering.
- If there is major damage, contact your local government officials to determine how to proceed.
- Report any downed power lines or water main breaks to the utility company.
- Keep your electricity off if there is standing water in your home.
- Do not stay at your home if it is not safe.
- Contact your agent at ERM to report how, when and where the damage occurred.
- Make a note of the claim handler’s name, telephone number and identification number when you call.
- Protect your home from further damage without putting yourself in danger. This may include boarding up windows and salvaging your possessions that did not sustain much damage – your claim handler can advise you on how to do so safely.
- Prepare a list of damaged or lost items from your home. Photograph or take videos of the damage.
- Contact your mortgage lender to notify them of your loss. Let them know about contractor bids. Your lender may want to inspect a contractor’s job before making a final payment.
- Keep damaged items in your home until the claim handler has come for an inspection.
- Provide receipts for damaged items if you saved them.
- If you need to temporarily relocate, save all your receipts for additional expenses. Your policy may cover you for additional living expenses during this time.
Once you’ve reported your claim, the claim handler will send you some documents to complete within a specific period of time. Contact ERM Insurance Brokers if you have any questions, and return these forms promptly.
Call ERM Insurance Brokers (949) 222-0444 if you have questions.