Here are some of the situations in which you need to give your homeowners insurance provider a call.
If you have homeowners insurance in Los Angeles, California
, then you do not want to access your coverage for every little issue that arises on your property. However, there are certain, serious issues that you should not attempt to take care of on your own. Here are some of the situations in which you need to get into contact with your home insurance agent.
1) Someone Gets Hurt While on Your Property
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 make your claims process proceed more smoothly.
2) Your Home Sustains 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.
3) Your Home Has Been Robbed 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.
These are some of the situations in which you need to access your homeowners insurance in Los Angeles, California
. Do you have further questions regarding your home's coverage? If so, then contact the team at Fuller Insurance Agency in Southern California. Our dedicated team is eager to assist you with all your coverage needs today.