Question Luckily, I’ve never needed to file a home insurance claim. But what if something does happen? What exactly should I do?
Sandy Widmer is a Farmers Insurance® agent in Casper, Wyoming. She walks you through the claims process.
Answer There are a couple of ways to get your claim started. You can file anytime online or by phone with a real person. Having your policy number ready will speed up the process. Some customers feel more comfortable filing through their agent, and that’s another way to file your claim.
Farmers® will ask you for some basic information, like the type of event that damaged your home — a lightning strike, for example — and the day and time it happened. These are simple questions, and you don’t have to prepare anything in advance. If you’re filing by phone, a Farmers representatie should take a look at your policy and give you an idea of what to expect in terms of coverage. The representative might give you tips or instructions on how to prevent further damage to your home, like covering a broken window or hole in your roof until repairs can be made.
Once your claim is filed, Farmers will arrange for an adjuster. In most cases, the adjusters are Farmers employees, not contractors, to help ensure courteous and professional service.
In the case of a catastrophic event that destroys your home, Farmers encourages you to file a claim right away for assistance. Farmers may be able to help with some of your immediate needs — like food and temporary housing — while your claim is in process.
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