Talk with your agent to determine whether purchasing replacement cost coverage is worth the extra premium. If you have questions, now is the time to ask your insurance representative for answers. This type of coverage pays for medical expenses of a guest injured in your home, regardless of fault. A medical payment claim begins, as do others, with a call to your insurance representative. Phone your agent or company immediately.
Insurance policies place a time limit on filing claims.
Follow up your call with an explanation of what happened in writing, at the request of your agent or company. Save receipts for what you spend and submit them to your insurance company for reimbursement. Save receipts from any additional living expenses you incur if your home is so severely damaged that you have to find other accommodations while repairs are being made. Provide needed information to the insurance representative assigned to handle your claim. Talk things over with your agent and adjuster if you are dissatisfied with the settlement offer.