Renters Insurance Claim

What is a Renters Insurance Claim?

Not only can fire, wind, theft, and other perils damage or destroy your possessions, but these losses can also interfere with your ability to live in the unit you have rented from your landlord. Like Homeowners Insurance, Renters Insurance covers your personal property.

Your Renters Insurance can cover repair or replacement costs of your belongings as well as your living expenses in excess of your normal rent while your home is being repaired. It is important to know what insurance coverage you have that will cover fire damage in your rented home, and what exclusions apply to your loss. There are set limits to the amount of fire damage that will be covered in a renter’s insurance policy.

In the event that you need to file renters insurance claims for damaged or stolen property, you’ll want to get compensated for your loss as soon as possible. Understanding the basics of the claims process will help you save a lot of time and hassle, and is useful, even if you don’t need to file a claim right now. Filing a renters insurance claim is similar to filing most other types of insurance claims, and if you don’t follow the filing process correctly, you may run the risk of getting your rental insurance claim denied or getting less than you’re entitled to.

We can help by documenting the damage and estimating the replacement and repair costs. Public Loss Adjusters can help you. We will document your loss and create a detailed estimate in a language that the insurance company understands. We use facts, figures, and your own policy language to aggressively advocate on your behalf for a higher claim payment.