We are often asked by our Denver and Arvada clients the best way to file a homeowners claim. With that in mind, we want to provide the following tips to ensure your claim goes smoothly.
1. Report Any Crime to the Police
If you are the victim of a theft or your Home has been vandalized or burglarized, report it to the police. Get a police report and the names of all law enforcement officers you speak with.

2. Contact Our Office Immediately
Our office stands ready to assist you with any insurance claim, whether you are our client or not. We are here to answer your questions, help you complete the necessary paperwork, and help guide you through it.

3. Make Temporary Repairs
Take reasonable steps to protect your property from further damage. Save receipts for your spending and submit them to your insurance company for reimbursement.

4. Prepare a List of Lost or Damaged Goods
Avoid throwing out damaged items until the adjuster has visited your Home. It would be best if you also consider photographing or videotaping the damage. Prepare a home inventory, make a copy for your adjuster, and supply them with copies of receipts for damaged items.

5. If You Need to Relocate, Keep Your Receipts
If your home is severely damaged and you must find other accommodations while repairs are being made, keep records of all additional expenses incurred. Most homeowners insurance policies cover the “loss of use” of your Home.

6. Have an Adjuster Inspect the Damage to your Home
Your insurance company will probably arrange for an adjuster to come and inspect your Home.
Once you and your insurance company agree on the terms of your settlement, state laws require that you be sent payment promptly. In most cases, your claim will be processed quickly. If you have any questions about the claim filing laws in your state, call our office.