Tips for successful home insurance claim

We buy insurance to protect our homes, but we fail terribly at preparing or learning how a claim is made, and that’s why many of our claims end up getting rejected. If you live in Hope Hills, NC, maintaining a meticulous record of your property is one way of ensuring that you are a step ahead when it comes to filing a home insurance claim. While no one wishes to make a home insurance claim, Cross Creek insurance shared tips on filing it successfully.

Keep a record of your valuables.

Always take inventory of your possessions. If you have bought new items after updating your insurance, it is essential that you keep receipts, photos, or videos of the things. This will help prove that you owned the items in case you file a theft or fire claim. Normal wear and tear and preventable damage are not covered. Your insurance provider expects you to take care of your household items, such as unblocking the gutter, to avoid constant avoidable claims.

Check your coverages

Know what is covered in your home and what’s not. This will help you avoid filing claims for damages that are not covered. Remember, filing uncovered claims can result in penalties or higher premiums. Knowing what is covered also helps you understand what to expect at the end of the process.

Act quickly

When filing a claim in Hope Hills, NC, whether big or small, time is never on your side. The faster you call your insurance company, the faster you are likely to get sorted and get back to normalcy. For larger claims, an insurance agent will be sent to inspect the damage to determine what will be replaced and what should be repaired.

Remember, the more the claims, the higher the premiums. So, avoid filing claims for small damages to avoid raising your premiums. If you still have more questions, Cross Creek Insurance can help answer all of them. Contact us today.

What does comprehensive insurance cover?

Most of us understand that auto insurance is designed to protect us, other drivers, and our vehicles. However, many of us don’t understand the different types of auto insurance and what each type covers. Cross Creek Insurance of Hope Hills, NC is committed to helping North Carolina residents understand auto insurance. We take pride in educating North Carolina residents on different types of coverage. Comprehensive coverage is a form of auto insurance designed to help insurance holders cover certain expenses that arise from non-accident situations. 

What Is Comprehensive Auto Insurance?
In short, comprehensive insurance covers damage to your vehicle that results from non-accident situations. This form of coverage will pay for damage to your car if the damage is equal to or less than the value of your car. comprehensive insurance can cover damage to your car from falling trees or objects. It also covers damage to your vehicle that is the result of fires, floods, hail, and wind: In other words, weather-related damage. If the damage exceeds the value of your car, the insurance company will total the car. When a car is totaled it is considered a loss. The cost to repair the damage exceeds the value of the car. Comprehensive insurance will pay for damage to the car minus the cost of your deductible. This insurance is different from collision coverage in that it covers damage to your car that results from situations beyond your control that aren’t accident based. In other words, they don’t involve a collision with another car or motor vehicle. We are committed to helping North Carolina drivers understand comprehensive insurance and choose the best coverage for their unique situation. Give us a call. We can’t wait to answer your questions.