when to call your home insurance agent

Conditions Under Which You Should Call Your Home Insurer

Here are some of the situations in which you should contact your home insurance provider immediately.

While you might have the right homeowners insurance in Plano, Texas, you may not want to access your coverage for fear of raising your rates.  However, there are certain situations in which it’s much wiser and more cost-effective to use your home insurance coverage.  Here are some of the circumstances under which you should report to your insurance provider.

  • Your Home Experiences Major Damage

If your home experiences a major emergency, such as a tree falling through your roof or a pipe bursting and causing major water damage, then you need to contact your agent.  The sooner you call, the sooner you can begin the claims process and receive the coverage that you need to address your losses.

  • Your Home Has Been Broken into or Vandalized

If your home has been broken into or vandalized, then the first call that you should make is to the police.  After you’ve reported the incident and the police are on the way, you should call your home insurer.  The property portion of your coverage will help you address any damages to your home, and your personal property coverage will help you replace the belongings that were stolen during the incident.

  • A Guest Injures Themselves

While you don’t need to call your insurance provider for every stubbed toe and paper cut that takes place in your home, you should get in touch with your agent if a guest sustains a more serious injury.  This is because your homeowners insurance offers coverage for medical expenses.  By calling your insurer, you can access this coverage, ensure that your guest gets the immediate medical attention that they need, and ensure that your claims process proceeds more smoothly.

These are some of the situations in which you should call your home insurance provider as soon as possible.  Do you have further questions regarding your homeowners insurance in Plano, Texas?  If so, then contact the team at Tri-Star Insurance/HUB International for assistance with all your coverage needs today.