Although most homes have insurance, it is not always known what to do in the event of an accident at home. If unfortunately, it has happened to you, there is no need to panic. These are the steps you must follow. Take note!
In most cases, we contract our second mortgage Home Insurance, but we do not know how to act in an accident since normally we do not think a mishap could happen to us. If unfortunately, that time has come, we should not panic. We just have to know the steps to follow.
The most important thing in the event of a home accident
We must first report the claim as soon as possible to our insurer, whether you are the insured or the injured party.
If we do not know the coverage or it is difficult for us to understand the language of the contract, contact your insurer, do not hesitate! It is very important to have complete information on the event so that the insurer can manage it accordingly.
For clients of Seguros RGA, the contact number is 91 765 84 24.
If, at this point, we have problems contacting the insurer or the claim is serious, we can contact a professional and save all the invoices. It is very important because you will need them later. In addition, it is advisable to have photographic documentation, no matter how insignificant the claim may be.
So, what can we do now?
Once we have reported and the insurer has opened the file, the company will make an initial cost assessment and will notify us if the claim is covered or not.
If we do not have coverage, the claim will be rejected, and the file will be closed. Otherwise, if our policy and claim are covered, the procedures for compensation will be carried out.
Yes, it is covered!
If the policy covers the accident, it may end with compensation. However, in some cases, depending on the amount, the intervention of an expert will be necessary. That the claim is covered does not mean that we are entitled to compensation since the expert will be in charge of assessing it, indicating its causes, and making a report that the insurer will approve. It is possible that even if a claim is covered if the causes are not covered, the insurer will not pay for the repair.
How is it solved
Well, we have reached this point, and once all the assessments and procedures have been carried out, the following assumptions can occur:
- They pay us compensation, and the case is closed.
- They deny us a subscription; it can and does happen. The insurer will communicate the non-coverage or rejection of the file in a reasoned way.
These are the main guidelines that you should follow.
However, check your policy if you do not want to be surprised when declaring your claim. It is essential to know the inclusions or exclusions of each case, whether they are personal damages or damages to third parties. Do not hesitate to contact us. We will provide you with the information you need.