Three Things You May Not Know About Filing A Claim With A Homeowner's Insurance Company

When someone gets hurt on your property, it can be hard to know what to do to ensure that their medical bills are covered. If you own the home, you should have insurance that you can make a claim with to have the medical bills paid. The following guide walks you through a few things to know about filing a claim with your homeowner's insurance company that you may not know.

Not Everything Will be Covered by Your Homeowners Insurance Policy

There are many people who make the mistake of thinking that any injury that occurs at their home will automatically be covered by their homeowner's insurance policy, but that is not the case at all. If you have a trampoline or pool on your property that you did not report to your insurance company, injuries that occur on or in them may not be covered by the company. These are items that the insurance companies view as being dangerous and potentially life-threatening options and thus do not cover or charge extra to cover.

You May Have to Pay for Some of the Medical Bills Out of Pocket

When you have homeowner's insurance, it does not mean that the insurance company is going to be responsible for every dollar of medical bills that the person incurs. The policy will only cover to a certain amount and you will then have to pay for the rest out of your own pocket. Also, you may have to meet a deductible before the insurance company covers any of the bills.

It Will Take Time for the Insurance Company to Cut a Check

When a claim is made to an insurance company, it can take quite a bit of time before the company approves payment on the claim. That means that whoever was hurt at your home will not be able to get the money they need for their bills for an extended period of time.

In order to make a claim with your insurance company, the person will need to know your name, your address, and your policy number if you can provide it to them. They will need to submit proof of their injuries and the amount of money that they are out because of the pain and suffering they experienced. You will not have to do any of the legwork for the insurance company. They will take care of all of the work for you so that you can just worry about checking on the person that was injured in your home.