{"id":10573,"date":"2022-05-23T14:39:53","date_gmt":"2022-05-23T14:39:53","guid":{"rendered":"https:\/\/evergreenprotect.com\/?p=10573"},"modified":"2022-05-23T14:39:53","modified_gmt":"2022-05-23T14:39:53","slug":"when-to-file-a-homeowner-insurance-claim","status":"publish","type":"post","link":"https:\/\/evergreenprotect.com\/tips\/when-to-file-a-homeowner-insurance-claim\/","title":{"rendered":"When To File A Homeowner Insurance Claim"},"content":{"rendered":"<p>Most homeowners don\u2019t know their rights as homeowner insurance policyholders. They feel insecure when dealing with their insurers after experiencing a loss\u2014knowing when to file a home insurance claim and when not to can make the process less confusing and intimidating.<\/p>\n<p style=\"text-align: center\">When To File An Insurance Claim<\/p>\n<p>You need to read your policy carefully before filing a claim. However, there are situations you can file a claim on your home insurance policy, as long as the cost of repairs isn\u2019t over your deductible. Use these scenarios as a general guideline to know when to file a homeowner insurance claim.<\/p>\n<ul>\n<li>Wind and hail damage<\/li>\n<li>Substantial damage to your roof<\/li>\n<li>Significant damage to your belongings<\/li>\n<li>Fire damage and theft resulting in substantial losses<\/li>\n<\/ul>\n<p style=\"text-align: center\">When You Might Need Extra Home Insurance Coverage<\/p>\n<p>Remember that your policy might not cover every casualty by default. You may need to get an additional policy to protect yourself against situations like fire, flooding, or specific kinds of damage.<\/p>\n<p style=\"text-align: center\">When Not To File A Claim<\/p>\n<p>There are specific scenarios where it won\u2019t make sense to file a homeowner insurance claim. Here are a few situations when you shouldn\u2019t attempt to file a claim.<\/p>\n<ul>\n<li>The claim isn\u2019t covered in your insurance policy.<\/li>\n<li>Poor maintenance caused the damage.<\/li>\n<li>The cost of repair or replacement is less than your deductible.<\/li>\n<li>The cost of repairs is slightly more deductible.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Most homeowners don\u2019t know their rights as homeowner insurance policyholders. They feel insecure when dealing with their insurers after experiencing a loss\u2014knowing when to file a home insurance claim and when not to can make the process less confusing and intimidating. When To File An Insurance Claim You need to read your policy carefully before [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":10574,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,1],"tags":[],"_links":{"self":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts\/10573"}],"collection":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/comments?post=10573"}],"version-history":[{"count":0,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts\/10573\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/media\/10574"}],"wp:attachment":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/media?parent=10573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/categories?post=10573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/tags?post=10573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}