Georgia Home Insurance and What Happens When you Make a Claim

When something bad happens to your Georgia house, you may need to make a home insurance claim. But if you’ve never filed a home insurance claim before, it might help to know what you can expect to happen during the claim process.

First, after your claim is submitted, a claims adjuster will most likely be assigned to your claim and begin investigating it. Expect to get a letter, email, or phone call from your assigned adjuster introducing him/herself to you. You’ll be advised on the basic process the insurance company uses for claims and advised what coverage and deductibles you are party to. The adjusted (sometimes called an assessor) will examine the type and severity of the damage incurred.

Claims can be either simple or difficult. A simple claim might be one where damage is small – for example, a damaged window after a storm.  Your adjuster might request that you obtain estimates on the repair cost.  The amount you receive would be this total less any deductible you have. It’s unlikely there would also be an in-person visit from your adjustor.

More involved claims are often ones that involve major damage, such as a collapsed roof. This would probably require an in-person visit from your adjuster, who would take pictures of the damage and ask questions about how it occurred.

Of course, if you’re with an agency like Talbert Services, we’d help you through the entire process so call us today to talk about your Georgia home insurance needs.