Filing an insurance claim isn’t always as simple as dialing a 1-800 number and calling it done. After a storm, accident, or unexpected loss, the steps you take right away can make a big difference in how smoothly your claim is handled—and how quickly you receive your payout.
Step 1: Document Everything
Your first move should always be to capture the details. Take photos or videos of the damage, jot down timestamped notes, and keep copies of any receipts for emergency repairs or materials you’ve purchased to protect your property. These records provide essential proof and help your adjuster understand the full scope of your loss.
Step 2: Prevent Further Damage
Insurance companies expect policyholders to take reasonable steps to prevent additional damage. For example, if a tree limb damages your roof, covering the area with a tarp while waiting for repairs shows that you acted responsibly. These actions not only protect your property but also help keep your claim valid.
Step 3: File Promptly
Delays can slow down the process and may even impact your final settlement. Once you’ve documented and mitigated, don’t wait—file your claim as soon as possible. Quick action helps your insurance carrier begin processing right away.
Pro Tip: Stay Organized Before a Loss
One of the best ways to prepare is by keeping a digital folder of your home upgrades, major purchases, or valuable items. Having receipts and photos of these on hand can speed up the claim process and ensure you’re reimbursed accurately.
Your Lifeline, Not a Maze
At April Jones Insurance, we believe your insurance should feel like a lifeline when you need it most—not a maze of confusing steps and delays. Our team is here to guide you through every part of the claims process, making sure you feel supported from start to finish.
Have questions about filing a claim? Call us today at (910) 660-0215—we’re here to help.
Ready to Learn More?
Reach out to April Jones Insurance Agency today to review your risk and get a clear, personalized quote. We’re here to help you protect your inland or coastal North Carolina home with confidence. You can reach us at (910) 660-0215 or online at https://www.apriljonesinsurance.com/
