Roberts Insurance Group Blog
In a perfect world, you would never have to use your home insurance. No one ever wants something unexpected to damage their home or property. But life happens, which is why at the Roberts Insurance Group, we are dedicated to ensuring our clients are well-prepared when it comes time to use their insurance.
Even if you have a perfectly designed homeowners policy, there are steps every homeowner in Georgia needs to take to ensure claims are minimized and that they are fully indemnified after a claim. Here are 4 things we think every homeowner should do to make sure they are in good shape the next time something unexpected happens to their home:
Although it is not necessarily a requirement for insurance companies, it is a piece of advice that we recommend every homeowner in Georgia follow. Here at the Roberts Insurance Group, we recommend that our clients take an inventory of their home. It does not have to be elaborate, but in today's world you can just shoot a quick video walking from room-to-room in your home.
Why is this important?
In major claims, especially in a total loss, you're going to have to work with contractors and adjuster to properly adjust your claim. What kind of trim was on the baseboard of this room? What kind of doors were in the interior of your home? What pieces of furniture did you have in this room? What about all of the stuff in your attic? What about your entire wardrobe?
You get the picture. It is almost impossible for anyone to answer any of these questions off of the top of their head, much less after experiencing a traumatic loss to their home and/or property. Taking a video inventory of your home can help jog your memory so that you and your family are totally indemnified following a loss.
Knowing Where The Water Shut Off Is Located
Every able-bodied household member needs to be made aware of where the water shut-off is located in the home. When a pipe bursts and water is pouring into your home, this can be the difference between a $25,000 claim and a $125,000 claim. Just imagine how much damage can occur if water is continuously pouring into your home for hours until a plumber or handyman can get to you. Knowing where the water shut-off is located will allow you to get the water turned off quickly and minimize any damage, which will result in lower premiums over time.
Know Your Deductible
Knowing you deductible or deductibles will help you make an informed decision the next time you file a claim. A homeowner with a $1,000 deductible will have a different perspective on how to handle $6,500 of damage to their home versus a homeowner with a $5,000 deductible.
Know Who To Call
Knowing who to call when something unexpected happens is another great thing to know. If you have a local insurance agent or agency that you work with, have their contact info easily accessible. If you work directly with an insurance carrier, have their claims number readily available. If you work with an independent insurance agency, like the Roberts Insurance Group, we recommend that you call us directly when filing a claim so that we can properly advise on what to do and what to expect before you speak with your insurance company.
The Roberts Insurance Group is an independent insurance agency based in Canton, GA and we help homeowners throughout the state protect their home, personal property, and other assets. Give us a call at 678-250-8133 or click below to see how we can help you and your family!