Step by Step Process
to Submitting a Home Insurance Claim with RGC Insurance Agencies
Submitting a home insurance claim with your independent insurance agency is an important process to ensure you receive assistance when your home experiences damage or loss. Here are step-by-step instructions on how to do this:
1. Ensure safety
If the damage is related to safety hazards, make sure you and your family are safe. If there are potential dangers, such as a gas leak or structural damage, contact emergency services before proceeding.
2. Assess the situation
First, assess the damage or loss to your home. Determine the cause and extent of the damage, whether it's due to a natural disaster, theft, fire, or any other covered event.
3. Contact us
Reach out to your independent insurance agency as soon as possible. You should have your policy number and any other relevant information readily available. You can contact them through their customer service hotline, website, or by visiting their local office.
- When contacting your insurance agency, provide the following details:
- Date and time of the incident.
- A description of the incident and the cause of damage.
- Any photographs or videos of the damage or loss.
- Police report or incident number (if applicable).
- List of damaged or stolen items (for theft claims).
4. File the claim
Your insurance agent will guide you through the process of filing a claim. This may be done over the phone or through an online portal. Be sure to provide accurate and detailed information.
5. Cooperate with the investigation
Your insurance company may conduct an investigation to assess the validity of your claim. Be prepared to provide any necessary documentation, such as repair estimates, receipts for damaged or stolen items, and other information as requested.
6. Get repairs or replacements
Once your claim is approved by the company, you can proceed with necessary repairs to your home or replacement of damaged or stolen items. Be sure to choose from the list of approved contractors or service providers if your policy specifies.
7. Pay your Deductible
If your policy includes a deductible, you will need to pay that amount before the insurance company covers the rest.
8. Receive Payment or Services
If your claim is approved, the insurance company will either provide payment to cover the losses or arrange for the necessary services, such as home repairs.
Important: Don't sign off on the check payable to the contractors that are responsible for correcting the damage until you are satisfied with the repairs.
Important: Don't sign off on the check payable to the contractors that are responsible for correcting the damage until you are satisfied with the repairs.
9. Close the claim
Once all expenses are covered and the claim is settled, the insurance company will close the claim. Make sure all your questions are answered, and you are satisfied with the resolution
10. Follow up
Continue to communicate with your insurance agency if you encounter any issues or need further assistance throughout the claim process.
Always review your insurance policy to understand what is covered and the specific steps and requirements of your independent insurance agency. It's essential to be prompt and thorough in your communication and documentation to ensure a smooth claims process for your home insurance.
