This final portion of your guide to homeowners insurance gives you information you hope you’ll never use–dealing with damage to your Virginia Beach home. Most likely your policy will explain how to file a claim, but here are the basic steps:

How To File An Insurance Claim On Your Virginia Beach Home

1.  If a crime has been committed, report it to the police. You should get a copy of the police report.

2.  Contact your insurance agent or company immediately.

3. If necessary, try to protect your property from further damage. Save your receipts.

4. Don’t dispose of damaged items until the adjuster has seen them.

5. Prepare a list of damaged items. Take pictures of the damage. (Now aren’t you glad you made an inventory list/video?)

6. Get the appropriate claim forms and fill them out completely. Return them within the time limit.

If you encounter problems (such as denial or inaction within a reasonable period of time) settling your insurance claim for your Virginia Beach home, you can follow these steps:

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