Home insurance coverage is something that is not only essential but far simpler to get than you might imagine. That being said, understanding how to use your policy correctly after you have purchased it can be a bit more challenging to understand. For those that live in the Inkerman, PA area, the agents with The Tyson Agency can help you find out how to get the most out of the policy that you have.
The Big Question
So, the main question that many people ask is when you can file a claim against your homeowner’s policy. The question is fairly simple as is the answer. For the most part, you cannot make a claim without an extenuating circumstance or a qualifying event. This means you cannot directly file a claim due to wear and tear to your home but if your house was in disrepair and there was a storm that exacerbated the damage, you could then file a claim.
Another good way to look at it is if there is any significant damage done to your home by way of a natural disaster or by something like a fire. If it is something such as windstorms, ice storms, thunderstorms with hail, and other flying debris, these type of disasters are going to make it possible for you to file a claim. Another case in which you can file a claim is if someone is injured on your property. This is going to help cover medical bills making it possible to prevent you from having to pay them out of pocket.
For those that live in the Inkerman, PA area, the agents with The Tyson Agency can help you to determine if you have a claim and then work through the filing and collection process so that you can get the money you need to repair your home. Contact our offices for more information.
