家 & 财产 索赔过程
Finding 财产 damage can be stressful. 但是你有这个. And we’re 在这里 to help.
- 用照片、笔记和其他任何可能有用的东西记录损坏情况.
- Take steps to mitigate further damage.
提交索赔
你做什么
我们所做的
我们会让你知道我们收到了你的索赔,如果你有问题可以找谁.
赋值
我们所做的
We’ll assign your home & 将财产索赔交给索赔处理程序(或团队)来管理,并指导您完成整个过程.
调查
你做什么
尽量回答问题,并向您的处理人员提供有关您索赔的其他详细信息.
我们所做的
您的索赔处理人员将确定您的索赔是否包括在内,以及任何包括在内的损害赔偿的费用. If you’re due a settlement, your claim handler will work to get you your money, 减少你的免赔额, as quickly as possible.
结算
你做什么
如果你是收款人, 您可以指定您是想以支票还是直接存款的方式收到付款.
And if you haven’t already, you’ll probably need to find contractors to complete repairs, sign repair contracts, 并提交发票, 如果适用的话.
我们所做的
If you’re entitled to a settlement, 国营农场® will issue it to you, 或者是服务提供商, according to your claim and policy details.
What is and isn’t typically covered under a home & 财产索赔
No two claims are exactly alike. 这里列出了一些家庭通常包括和不包括的事情 & 财产pp王者电子官网. 检查你的保单或让你的代理人了解你的保单包括哪些内容.
- 通常覆盖: 风(包括倒下的树对屋顶造成的损坏)、冰雹、火灾和闪电.
- Not typically covered: 磨损、腐烂、变质和工艺(安装/修理不当).
- 通常覆盖: 由于家里的水管突然漏水而造成的损失, 如果使用合理的措施来保持家中的热量,则管道会冻结/爆裂, 通过下水道或排水管的水(有下水道或排水管的备份背书)和由冰坝造成的水对你的家的损害.
- Not typically covered: losses caused by flood, 地下的水, 地表水, water backing-up through a sewer or drain (without endorsement), 潮汐水, 海啸, overflow of a body of water, spray from any of these whether driven by wind or not, 如果没有采取合理的保温措施,管道就会冻结和爆裂.
- 通常覆盖: 失窃物品,如珠宝、电子产品、银器、金器和地毯.
- Not typically covered: animals, birds and fish.
Things to think about
Policy benefits may include:
- Payment for covered roof damage
- 当pp王者电子官网损失导致您的房屋无法居住时,为您提供临时住所的pp王者电子官网
- 赔偿因pp王者电子官网损失而损坏或被盗的个人财产
- 如果有人在拜访你的家时受伤,责任pp王者电子官网的索赔
有问题? Talk it over with your 州立农场代理.
Here are some of the signs of wind or hail damage:
- Shingles in your yard, as well as raised or missing shingles
- Excessive shingle granules in your downspouts and gutters
- Water stains on your highest ceiling
州立农场的代表可以解释正常磨损和损坏之间的区别.
File your claim as soon as possible after you find damage.
- File your claim online
- Use the 国营农场 手机应用程序
- 呼叫 800 -科幻索赔 (800-732-5246) 24/7
When it comes to stolen 财产, you need to act fast.
- Report the theft to the police
- 检查你的pp王者电子官网,包括pp王者电子官网范围,限制,以及与个人财产相关的免赔额
- 提出索赔 with 国营农场
当你在度假时,在你的车里,或者只是离开你的家时,你的财产可以被覆盖.
在你意识到有人偷了你的财产后,尽快提出索赔.
Filing a stolen 财产索赔 is fast and easy.
- File your claim online
- Use the 国营农场 手机应用程序
- 呼叫 800 -科幻索赔 (800-732-5246) 24/7
水的损害并不总是容易发现,但这里有一些迹象表明你可能有问题:
- Dark or wet-looking spots on your ceiling or walls.
- Cracking, bubbling, or flaking paint or drywall.
- A puddle of water that returns after you’ve cleaned it up.
- The sound of running or dripping water behind your wall.
- A damp, musty, or moldy smell.
访问 屋顶索赔 to learn how to select a roofing contractor, what’s typically included in a roof repair estimate, 和更多的.
Understand Your Property’s Valuation
Depending on your policy, 个人财产的pp王者电子官网可以以实际现金价值或重置成本为基础.
如果你不确定我们如何承保你的个人财产,请查看你的保单或与你的代理人交谈.
Frequently asked questions
Unless it’s excluded in your policy, 房主pp王者电子官网通常包括意外的直接财产损失, meaning happening by chance, 去你的住处, 其他结构, personal liability and medical payments to others.
房主政策还为特定事件提供个人财产pp王者电子官网, including but not limited to:
- 火
- 闪电
- 风暴或冰雹(当风或冰雹在屋顶或墙壁上造成一个开口并允许下雨时), 雪, 雨夹雪, 沙子, 或灰尘进入)
- 盗窃
- 破坏公物
- Certain types of abrupt water damage
您可以选择通过电子转账、直接存款或纸质支票的方式收到您的付款.
Your premium won’t necessarily go up after you file a home & 财产索赔, but it might. It’ll depend on several factors, including the claim details, how much your 财产 will cost to repair or replace, and how many claims you’ve filed in the past. 和你的代理人谈谈,看看你的保费是否会因为你的索赔而上涨.
这取决于索赔的类型和你的责任范围,并需要在你的索赔调查阶段确定.
你可以选择任何你喜欢的承包商,但如果你需要帮助寻找承包商,给我们 承包商定位器 一试.
If coverage does not apply for a particular claim, 我们将给你发一封书面信函,解释导致你的索赔被拒绝的具体政策措辞.