When you buy a home in Tucson, AZ, you also need to have a home insurance policy. If something happens to your home, it’s important to know how an insurance claim works.
At Castillo & Associates Insurance, we first want to explain the basic coverage that you have. You have liability protection against anyone injured in your home as well as if someone in your household damages your neighbor’s property. You also have protection over your dwelling and your belongings.
Since you have coverage in so many areas, you can file a home insurance claim for a variety of scenarios. You could call to file a claim if there’s a fire in your home, it got broken into, or even if you accidentally damaged the neighbor’s fence.
When you call to place the claim, the insurance company will ask for details. They may send an adjuster to the home, too. That person will take photos, ask questions, and conduct an investigation. If your story matches up with what they see happened and you have the right coverage in place, the insurance company will pay for the repairs and/or replacements.
The only thing you will be financially responsible for is the deductible. This is a pre-set amount of money that you will pay to the insurance company. Then, they will cover everything else up to the limits that you have in place.
Since you never know what could happen, it’s better to have plenty of coverage in all areas to avoid your insurance claim getting denied. If a claim is denied, you would be financially responsible for everything.
At Castillo & Associates Insurance, we’re here to help you with all things related to your home insurance, including making sure that you have the right coverage. If you have to file a claim in Tucson, AZ, we want to make sure you have sufficient coverage.