What Should I do if my Home Insurance Records are Lost Due to a Fire Accident in Newark, New Jersey?

When a fire occurs in your home, you may be covered for the damages in Newark, New Jersey. The problem is that when the accident causes you to lose the records regarding your coverage amount and the details of your policy, it may be hard to determine if you can make a claim. Before you make a claim on your homeowner’s insurance policy, replace your policy records.

Contact Your Insurer

The basic policy and agreement with your insurer will usually be available through your insurer. Contact the company and speak to a customer service representative. Explain the situation and ask for a copy of your records to be sent to your home or office address.

Depending on the extent of your records, the insurer will usually have a copy of the basic policy and any documents that you sent as proof of ownership at the time you apply for your coverage.

Contact Other Companies

If you have lost any other important documents, then contacting the appropriate company or authority associated with those papers will be necessary. Ask for a copy of the documents and records, particularly if it is the deed to your home, estimates of the value of your property or any other related paperwork that may have been lost when the fire accident occurred. Depending on the documents that you have lost, it may take time before you receive all of the copies that you request.

An accident that results in the loss of documents can seem complicated, but it is usually possible to replace most of the paperwork by contacting your insurer and any company associated with the paperwork. To learn more, call us to talk to an independent agent today.