When you first get an insurance policy for your home there is a good chance that they will order an inspection before the policy can be issued. The purpose of the inspection is to make sure that the home has been properly maintained. When it comes time to renew your home policy there is good chance that they may inspect it again in Newark, New Jersey. Here are some things that you will need to know when it comes to the inspection and making changes to your home.

What You Can Expect During a Home Inspection for Insurance Purposes

· A home inspection can take place at anytime. If the company finds something that was not disclosed during the interview phase, they might end up asking you to correct the issue.

· One such issue is the addition of a trampoline. Most insurance companies will not issue a policy to homes with these devices. If they find that you have one, then you may end up losing your coverage.

· If the company finds anything structurally that is a high risk item, then you may be asked to fix the issue before the policy can be issued or extended.

· Once the problem has been fixed you will need to provide proof that is fixed so your policy can continue.

If you have any questions about your home insurance and live in the Livingston or Montclair, New Jersey area, then you need to call your independent agent today. As your agent we can help you work through all of your questions regarding your insurance needs. It is very important for you to call us today so we can give you the information you need to keep your policy in good working order.

If someone burglarizes your Newark, New Jersey home and makes off with your computer, television and set of solid brass candlestick holders, you can file a claim under your contents coverage of your home insurance policy. If a fire damages your home in Livingston, call your insurer and file a claim for the damages. If you have visitors at your Montclair, New Jersey home and someone falls and gets hurt, your insurance can protect you against any liability you may have.

Damages to your home or contents can be settled in a relatively short period of time, or sometimes, it can take months and months to get your claim settled.

Insurance companies are not going to pay out any claim without first having some evidence of the loss. When you have solid and indisputable evidence of your loss, your claim can be expedited and settled in a short time. However, if the best you can do is say you lost everything you owned inside of your home, it will take the insurance company longer to investigate and come up with an offer to settle your claim.

By strong evidence, we mean taking pictures of your furniture, television, computer and any other items that cost more than a few dollars to replace. You should also attach the original receipt showing the item, purchase date and amount you paid for it when it was purchased. It is also very helpful to leave any damaged items in their current condition and not try to clean them up or patch them back together, at least until the adjuster has a chance to evaluate your loss.

Your claim for damages to the contents inside your home, or the damages to the structure, will be settled based upon the evidence you provide and the evidence the adjuster sees. As your independent agent, we would suggest you keep good records of your inventory and try to mitigate further damage to your home while the claim process is taking place. Hopefully, you will be satisfied with the settlement offered by your insurance company, but if not, you always have the option of negotiation or arbitration before agreeing to accept your insurance company’s offer to settle.