Usual Reasons Filing a Homeowners Insurance Claim in CT

You need to make sure you have a homeowners insurance policy for a variety of reasons as will be outlined in this post below. West Hartford, CT residents can discuss specific insurance options with agents at StateChoice. When it is time to file a homeowners insurance claim, you will need to be aware of the damages and repairs needed. Find out the typical reasons for filing such claims in this post. 

Damages from storms

Violent storms, heavy winds, rain, snow, ice, and other bad weather elements can create chaos for homeowners. The storms can leave behind a lot of damage to homes and filing a claim is important. Storm damage remains a top reason for filing claims on a home insurance policy. Be sure you assess the damage from the storm before filing a claim with your homeowner’s insurance company. Find out more about what policy options are available at StateChoice serving West Hartford, CT. 

Damages from Water

Many homeowners also get flood coverage. However, there are other types of water damage, which is one of the typical reasons for filing an insurance claim on your house. Burst pipes, backed up plumbing, leaks, and damages to structures from heavy rains are some prime examples of damages water can do and this warrants repair and a claim to be filed. Be sure to assess damages to the home before contacting an agent. 

Damages from Fire and Smoke

One of the biggest reasons homeowners file claims is damage to their home or property from a fire or the smoke that damaged items. Smoke and fire damage can be significant, often resulting in a total loss at the property. Be sure to assess all damages and inventory property loss. Contact an agent to find out more about fire coverage.