When Washington residents realize they need to file a homeowners insurance claim, they may want to pull together all of the necessary paperwork before contacting their insurance company. However, sometimes there is a time limit for filing a claim.
People may not realize they have a limited amount of time to file a claim with their insurance company. According to Sapling, many companies require their clients to file a claim within one year of the incident. However, this time limit varies from company to company, and some organizations may not accept claims submitted more than 30 days after an incident occurred. It is a good idea for people to check their insurance policy so they know how much time they have if they want to file a claim.
Because of this, it is important for people to make sure they have all of the information they will need to file a claim. Forbes says that people should make sure they have a list of all of their belongings. This list should typically include how much people spent on their jewelry and furniture, as well as the serial numbers of different appliances. If people remodeled their home, they may want to have these receipts on hand as well.
Additionally, people may want to know how much everything in their home is worth. Because many insurance companies include a deductible with their policies, some people may not want to file a claim if the amount of damage is less than this deductible. If people choose to make a list of their belongings, they may want to include a price tag with each item so they know the full cost of the damage.