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Reasons to Contact Your Home Insurance Provider

Here are some situations in which you need to call your homeowners insurance agent immediately.

While you have homeowners insurance in place, you might not be sure when to access this coverage.  While most minor issues and damage events can be managed by the homeowner, there are certain situations in which you should call your home insurance agent as soon as possible.  Here’s when you should contact your agent.

Someone Injures Themselves on Your Property

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.

Your Home Sustains Major Damage

If your home experiences a major emergency, such as a tree falling through your roof or a pipe bursting and causing major water damage, then you need to contact your agent.  The sooner you call, the sooner you can begin the claims process and receive the coverage that you need to address your losses.

You’ve Become the Victim of Robbery or Vandalism

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.

These are some of the situations in which you should contact your homeowners insurance provider as soon as possible.  Do you need assistance with your home coverage?  If so, then contact the experts at Pierce Insurance Group for assistance today.