Knowing what to expect if you have a homeowner’s claim can help give you peace of mind. Different insurance carriers can handle claims in different ways, but here are some basic steps to help you stay on top of your property’s insurance needs. In events where your house is damaged by fire, burglary, or other unfortunate events, you will want to file a home insurance claim with your insurer. In the following sections, we’ll take you through the procedure of filing a Geico home insurance claim in seven simple steps, from submitting a police complaint to coordinating with an insurance adjuster and resolving your claim.
You can choose the amount of protection by selecting your coverages and limits. After the damage to your property, one of your goals will be to recover compensation and this can only be done if you file a claim with your auto insurers. You will need to take the proper steps to do this, including reporting the mishap quickly. In order to recover full compensation for your injury or home damage claims, it is crucial that you have a plan for going up against the tactics that Geico adjusters will use against you. In this article, we’ll tell you the steps you need to take to file a home Insurance Claim with Geico.
Geico Home Insurance Coverage
Homeowners insurance typically covers both personal property as well as your belongings in the event of theft, vandalism, or damage (such as that caused by a fire or storm).
Geico car insurance policy provides coverage for:
- Medical expenses
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Geico Home Insurance Discounts
GEICO offers three discounts, all of which are commonly offered by other insurance companies, to its homeowners insurance policyholders. This is much lower than the industry average of seven discounts.
- Bundling discount: Geico offers a great Multi-Policy Discount for home and auto insurance. When you bundle your home and car insurance or auto and renters insurance with GEICO you could save time and money.
- Protective device discount: Geico offers a protective device discount if you have a burglar and fire alarm system or an automatic sprinkler installed in your home.
- Affinity discount: Geico will give you a discount amounting to about 15% of your total premium total insurance premium if you are on active military duty, retired from the Military, or a member of the National Guard or Reserves.
However, some discounts, coverages, payment plans, and features are not available in all states or all GEICO companies, and the discount amount varies in some states. Coverage is individual. A premium reduction may be available in New York.
What You Should Do First When Filing a Claim
When filing a home insurance claim with Geico, you must ensure to do the following:
- Contact your insurance agent or company right away to get the claims process started.
- Make a list of damaged property and talk to your agent or adjuster before discarding any damaged property.
- Photograph or video the damage if possible; don’t throw anything away until an adjuster has looked at it.
- Take steps to minimize further damage and protect your health.
- Make repairs necessary to protect your home and property from further damage, such as covering broken windows and holes to keep the rain out and prevent theft.
- Don’t make permanent repairs until instructed by your insurance company.
- Save all repair receipts.
- When the insurance company’s adjuster inspects the damage, walk around with them to make sure they don’t miss anything.
Platforms for Filing a Claim
GEICO has multiple platforms that you can choose from when filing claims, including their mobile app and website. You can also use the same channels to track a claim’s progress.
How to File a Geico Home Insurance Claim
Filing a home insurance claim with Geico is a multi-step process that can be completed in these seven steps:
1. File a Police Report (if Necessary)
After a natural disaster like a wildfire or tornado, survey the damage before contacting your insurance company. If your home was vandalized, you’d need to call the police and file a report immediately.
2. Notify Your Home Insurer
Reach out to your insurance company immediately after any damage, theft, or injury. The sooner you do, the sooner the recovery process can begin.
3. Document the Claim
Take lots of photos or video evidence detailing the damage. Compile a list of damaged, stolen, as well as, destroyed possessions, along with their approximate value.
4. Save All Your Receipts After Temporary Repairs
Keep your receipts if you have done any temporary repairs to your house after it has been damaged so that your insurance provider may pay you back. Additionally, keep track of all of your invoices for eating out, boarding pets, dry cleaning, and other living expenditures while your home was unlivable to ensure that your insurance will also pay for them.
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5. Have the Insurance Adjuster Inspect the Damage
Geico will assign your home & property claim to a claim adjuster to inspect and manage it. The adjuster will determine if your claim is covered, and the cost of any covered damages. So, you’ll have to try to be available to answer questions and provide your handler with additional details. Remember that the adjuster represents the interest of the company and not your interest. So, you’ll have to be around to defend your interest.
6. Get Estimates from Contractors
Consider obtaining multiple quotations from certified contractors or appraisers before settling your claim. Remember that Geico will do its own research through the adjuster to determine the cost of repair or replacement of your property or equipment.
7. Settle Your Claim and Schedule Repairs
You may be able to specify if you’d like to receive payment by check or direct deposit. If you’re entitled to a settlement, State Farm will issue it to you, or a service provider, according to your claim and policy details.
Filing Home Insurance Claim with Geico via Mobile App
The GEICO Mobile app gives you peace of mind at your fingertips. With this mobile app, you can manage your entire insurance policies with Geico including
- Getting ID cards
- Calling for roadside assistance
- Filing a claim
- Paying your bill
You may download the Geico app from the Google Play store or Apple Store.
Filing Geico Home Insurance Claim via Website
You can also file your home insurance claims with Geico using their website. Click here to get started.
Claims Phone Number
You can reach a homeowners insurance sales agent at (800) 841-2964. You can call the customer service support number to start filing your claim.
To cancel your GEICO homeowners insurance policy, have your account details ready and call their customer support hotline at (800) 841-2964.