Filing a claim with your homeowner’s insurance can be an extremely stressful experience. Many homeowners believe that they’ve filed accurate claims, only to have them denied for reasons that aren’t obvious. Here is an overview of some intelligent ways to make the claim process more accessible to get what you’re entitled to faster and without much hassle. 

Provide as Much Documentation as Possible

When filing any claim with an insurance company, the more documentation you can provide, the better. That means that if you are filing a claim that states that a fire damaged your personal items, you should include a copy of the police report that you hopefully filed, any documentation the fire department may have given you, clear and concise pictures of the damage, a full list of everything that was damaged or destroyed and their approximate worth, receipts for any lost items, and as much other documentation that you have access to. 

Be as Honest as Possible

Being as upfront and honest as possible is important because if your adjuster finds gaps in your story, it could result in a delay or even a denial. If your adjuster requests to view the damage in person, then you need to allow them to do so. The more cooperative you are, the quicker the process will be.

We are a West Texas Insurance Agency providing homeowners and other types of insurance for the Amarillo, TX, area, among others. If you want to contact us at West Texas Insurance Agency, and you’re an Amarillo, TX, resident seeking homeowners insurance, we would be more than happy to provide you with a quote and answer any questions you may have. Give us a call today to get things started. 

If you’re not familiar with all the rules regarding homeowners insurance, you might have many questions about when you can or cannot file a claim. Sometimes, if you’re not sure about something regarding your insurance, you can easily contact your agent to ask questions for clarification. If you’re wondering whether you can file a claim through your homeowner’s insurance for a home you don’t live in, here is an overview that answers this common question. 

If Your Home is Rented Out to a Tenant

If you have rented your home out to a tenant and burglary, a fire, or some other event that results in damage to the home occurs, your tenant should file a claim with their renter’s insurance. However, you can file a claim with your homeowner’s insurance if your tenant doesn’t have renter’s insurance, but in most cases, you will need a copy of the police report. 

If Your Home is Vacant

If your home is vandalized or otherwise damaged while sitting empty, then once you file a police report, you can most certainly file a claim with your homeowner’s insurance. This is one of the reasons to maintain coverage on your home, whether it’s vacant or not, as it will enable you to make repairs on your home without paying out of pocket. 

If you’re an Amarillo, TX homeowner and you’re seeking a new homeowners insurance provider, you should consider giving West Texas Insurance Agency a call. At West Texas Insurance Agency, we take pride in offering top-quality insurance services of all types to our customers, as well as providing excellent customer service. Give us a call today to request a quote.

When it comes to making your Texas home a safer place to live, it can mean protecting yourself from things in your house and outside of your house. At West Texas Insurance Agency in Amarillo, TX, we can help make your home safer by ensuring you have the correct home insurance to protect your biggest asset. 

In the home

Safety comes in a lot of different forms. One of the significant safety issues in any home is fire. Every home should be equipped with smoke detectors. They should also have backup batteries if the power is out when a fire starts. It would be best to have a fire extinguisher in an easily accessible location. 

Trips and falls are a significant safety concern. Ensure the lighting is good in all dark areas, such as hallways. Don’t let clutter accumulate on stairs and in heavily trafficked areas. Don’t use throw rugs; they pose a trip and fall hazard. If you must use extension cords, ensure they are tucked close to the wall. Use a no-slip bath mat or stickers. Having a grab bar in the shower or bath is a good idea if you are unsteady. 

Outside the home

Outside your home, lighting is essential. Motion detector lights will guarantee that when you move into their range, they will turn on for you to light your way. 

Installing a home protection system is one way to make your home a safer place from the outside. It can be as simple as a digital locking system that you can activate with your phone or a doorbell camera. Using the locks on your windows is also important. 

Contact West Texas Insurance Agency in Amarillo, TX for all your home insurance needs. 

If you are a resident in the Amarillo, TX area, owning a home is a great idea. Property owners in this region of the state will enjoy long-term benefits, such as having a stable place to live and benefiting from value appreciation. Getting insurance is necessary if you want to buy a home here.

Protect Your Dwelling and Assets

A great reason to have a home insurance plan in Texas is to protect your dwelling and assets. If you are looking to buy a home, you will be making a very large long-term investment. Further, you will have various personal items stored within it. When you get coverage through a home insurance plan, you will have support to replace or repair these assets. 

Meet Insurance Rules

You should also get this coverage to ensure you are meeting your requirements. Anyone that is looking to buy a home will need to have insurance for it if they have taken out a loan. Also, any home association will require you to get insurance. When you have this type of coverage, you can remain in good standing with all such obligations in the future. 

If you own a property in the Amarillo, TX area, you need to ensure you get the right insurance. To ensure you can select the right plan, it would be a great idea to call our team at the West Texas Insurance Agency. Our professionals at the West Texas Insurance Agency know the value of this coverage and can offer the support you need to build your next plan.