Depending on your insurance company, you may have 30 days to file a homeowner’s insurance claim – or you may have an entire year. However, the best thing to do is contact your insurance agent to find out if there are specific time limits for filing a claim – and then file as soon as possible.
As a homeowner, it’s important to realize that the “burden of proof” is on you when it comes to proving loss and damages when you file an insurance claim. You’ll certainly be responsible for the amount of your deductible – so be sure that your claim exceeds your deductible before you file a claim. When you do file a homeowner’s insurance claim, you may also need to provide your insurance carrier with estimates or other forms of documentation. Complete your claim forms thoroughly so that you’ll receive an appropriate settlement.