Angie Hooten - Hughes Insurance Agency Blog
As a homeowner, you try your best to have a safe home and surroundings. However, accidents happen everywhere and could happen anytime in your home or on your property. When this happens, you may think that you are not at fault that a person got injured while working on something inside your home. This will feel like a mistake to assume when you are being sued for liability or getting bills from the hospital. If you don’t know what to do, here are some tips to help you out.
Talk to Your Insurance Company
What you need to do right after an accident in your home is to call your insurance broker. Tell them everything that happened including the important details and the injuries the person incurred. You should also let them know that there is a possible claim after the incident. Do this to avoid the denial of coverage clause that causes the rejection of your claim if you did not call the accident in immediately.
Investigate the Accident
Regardless of whether you saw the accident happen or not, you need to investigate the accident. Survey the accident site and try to see how the accident happened especially if you weren’t there. Try to think if the person forgot to do safety measures that could have avoided the accident.
If you are in doubt, you can even get in touch with a lawyer to investigate the case. You can also tell your insurance broker if you suspect that someone is trying to make a fraudulent claim. Remember that there are a lot of con-artists looking to make some money in exchange for injuries.
Review Your Insurance Policy
As a policyholder, you need to know your insurance coverage by heart. It’s good to want to protect your property, but you also need to make sure that you have everything that you need including personal liability coverage. This will shield you from accidents that happens in your property.
Although liability coverage is usually found in the basic homeowner’s insurance policy, you have to take note of what’s written on it.
It’s good to be proactive when it comes to protecting yourself and your home. To get professional advice and make sure you have the right coverage, talk to an insurance agent that can answer all of your questions.
At Angie Hooten-Hughes Insurance, our mission is to ensure that we protect are clients and offer them policies that they can afford. Learn more about our products and services by calling our agency at (901) 373-6060 You can also request for a free quote by CLICKING HERE.