家 & 财产 索赔过程
发现财产损失可能会很有压力. 但是你有这个. 我们是来帮忙的.
- Document the damage with photos, notes, and anything else that might be helpful.
- 采取措施减轻进一步的损害.
提交索赔
我们所做的
We’ll let you know we received your claim, and who to speak with if you have questions.
赋值
我们所做的
我们会给你分配房子 & 财产索赔 to a claim handler (or team) to manage it, and guide you through the process.
调查
你做什么
Try to be available to answer questions and provide your handler with additional details about your claim.
我们所做的
Your claim handler will determine if your claim is covered, and the cost of any covered damages. 如果你需要和解, 你的理赔人员会帮你拿到你的钱, 减少你的免赔额, 尽可能快.
结算
你做什么
如果你是收款人, you may be able to specify if you’d like to receive payment by check or direct deposit.
如果你还没有, 你可能需要找承包商来完成维修, 签订维修合同, 并提交发票, 如果适用的话.
我们所做的
如果你有资格获得和解, 国营农场®会把它发给你, 或者是服务提供商, 根据你们的索赔和保单细节.
房屋通常包括什么，不包括什么 & 财产索赔
没有两种说法是完全相同的. Here’s a list of some of the things that are and are not typically covered by home & 财产pp王者电子官网. Check your policy or ask your agent to find out what your policy covers.
- 通常覆盖: wind (includes damage to the roof caused by a downed tree), hail, fire and lightning.
- 通常不包括的: wear and tear, rot, deterioration, and workmanship (improper installation/repairs).
- 通常覆盖: losses caused by water abruptly leaking from a pipe inside the home, frozen/burst pipe if reasonable care is used to maintain heat in the home, water backing-up through a sewer or drain (with Back-up of Sewer or Drain endorsement) and water damage to your home caused by ice dams.
- 通常不包括的: 水灾造成的损失, 地下的水, 地表水, 通过下水道或排水管的水(没有批注), 潮汐水, 海啸, 溢出水体的溢出, 无论是否受风驱动，这些都可以喷射, frozen and burst pipes if reasonable care to maintain the heat did not occur.
- 通常覆盖: items lost by theft such as jewelry, electronics, silverware, goldware and rugs.
- 通常不包括的: 动物、鸟和鱼.
需要考虑的事情
何时提出索赔由你来决定. But remember, you have insurance to help with the repair or replacement when covered losses occur.
保单利益可能包括:
- 支付有盖屋顶损坏
- Coverage for temporary living accommodations when a covered loss causes your home to be uninhabitable
- Payment for personal 财产 that’s damaged or stolen by a covered loss
- Liability coverage for covered claims if someone is hurt while visiting your home
有问题? 和你的朋友好好谈谈 州立农场代理.
以下是一些风或冰雹破坏的迹象:
- 院子里的瓦片，以及凸起或缺失的瓦片
- 落水管和排水沟中有过多的瓦片颗粒
- 最高的天花板上有水渍
A 国营农场 representative can explain the difference between normal wear and damage.
发现损坏后，尽快提出索赔.
- 在网上提出申索
- 使用国营农场移动应用程序
- 呼叫 800 -科幻索赔 (800-732-5246) 24/7
当涉及到赃物时，你需要迅速采取行动.
- 向警方报告盗窃案
- Review your policy, including coverages, limitations, and deductibles related to personal 财产
- 向州立农场提出索赔
Your 财产 could be covered when you’re on vacation, in your car, or just away from your home.
File your claim as soon as possible after you realize someone stole your 财产.
申请被盗财物索赔既快捷又容易.
- 在网上提出申索
- 使用国营农场移动应用程序
- 呼叫 800 -科幻索赔 (800-732-5246) 24/7
Water damage isn’t always easy to spot, but 在这里 are some signs you might have a problem:
- 天花板或墙壁上有深色或潮湿的斑点.
- 油漆或干墙开裂、冒泡或剥落.
- 一滩水在你清理干净后又回来了.
- 墙后流水或滴水的声音.
- 霉味:潮湿、发霉或发霉的气味.
访问 屋顶索赔 学习如何选择屋顶承建商, 屋顶维修估价中通常包含的内容, 和更多的.
了解物业的估值
取决于你的政策, coverage for personal 财产 can be on an actual cash value or replacement cost basis.
Review your policy or speak with your agent if you aren’t sure how we’re covering your personal 财产.
常见问题
除非你的保单里不包括这个, a homeowners policy typically covers accidental direct physical loss, 意思是偶然发生的, 去你的住处, 其他结构, 个人责任和对他人的医疗支付.
Homeowners policies also provide personal 财产 coverage for specific incidents, 包括但不限于:
- 火
- 闪电
- Windstorm or hail (when wind or hail causes an opening in a roof or wall and allows rain, 雪, 雨夹雪, 沙子, 或灰尘进入)
- 盗窃
- 破坏公物
- 某些类型的突发性水害
You can choose to receive your payment via electronic fund transfer, direct deposit or paper check.
在你申请买房后，你的pp王者电子官网费不一定会上升 & 财产索赔，但它可能. 这取决于几个因素, 包括索赔详情, 修理或更换你的房子要花多少钱, 还有你过去提出过多少索赔. Speak with your agent to determine if your premium is likely to go up because of your claim.
You’ll be responsible for your deductible amount for covered damages up to the limit of your policy. Your Insurance policy won’t cover any expenses beyond your coverage limits, however.
It depends on the type of claim and your liability coverage and will need to be determined during the investigation stage of your claim.
You can choose any contractor you like, but if you need help finding a contractor, give our 承包商定位器 一试.
如果pp王者电子官网范围不适用某项索赔, we’ll send you a written letter explaining the specific policy language responsible for the denial of your claim.
是的. 除了你的住所, 国营农场 homeowners insurance covers 其他结构 located on your residence premises that are separated by clear space from the dwelling. Your policy typically covers 其他结构 at 10% of your dwelling coverage.
这包括但不限于:
- 栅栏
- 独立车库
- 设备了
- 谷仓
- 客人别墅
- Contact your agent about insuring 其他结构 on your 财产.
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Note: This contains only a general description of available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. 欲了解更多信息，请咨询您的州立农场代理.