Having renters insurance is a terrific way to protect your possessions while you reside as a tenant in property someone else owns. At Hyman Brown Insurance Agency Inc., serving Commerce, GA, we offer renters insurance for new and existing clients. If or when it comes time for a claim, here’s what you need to know about providing evidence for that claim.
Documentation of Damaged or Stolen Property
One of the first things an insurer asks for is evidence that the damaged or stolen property actually belonged to you. Receipts are the go-to. If you can’t find the receipt, you may be able to find documentation on your credit card statement. Barring that, check your inbox for email confirmation of purchase. If the item was under warranty, there may be warranty paperwork. Finally, dated photographs with the item in the image can also be very helpful. For example, maybe your bike got stolen. You might have a family pic of you on the bike during a scenic ride.
Additional Records That May Be Requested
If this is your first renters insurance claim, one concrete piece of evidence of ownership might suffice. But depending on the type of claim or how many renters insurance claims you’ve made in the past, the insurance company may ask for a police report, lease agreements, repair estimates, temporary housing receipts, or statements describing what happened. If the claim involves water or fire damage, the insurer may also review maintenance issues or reports from the property owner.
A renters insurance claim in Georgia depends heavily on documentation. Keeping records of your belongings and preserving evidence after a loss can make a major difference when the insurer evaluates what’s covered under the policy. Talk to your insurance representative at Hyman Brown Insurance Agency Inc., serving Commerce, GA for more information.