A Step-by-Step Guide

Making a home insurance claim can seem daunting, especially during the stress of dealing with damage or loss. However, understanding the process and knowing who to turn to for help can make all the difference. Here’s a comprehensive guide to help you navigate the claims process efficiently and ensure you get the full entitlements under your policy.

1. Assess the Damage

2. Review Your Insurance Policy

3. Contact OMC Claims for Assistance

4. Report the Damage to Your Insurance Company

5. Share Claim Details with Your Handler

6. Emergency Repairs

7. Complete and Return the Claims Form

8. Work with Your Adjuster

9. Making a Claim for Stolen or Maliciously Damaged Property

10. Final Steps and Settlement

Why Choose OMC Claims?

Glossary of Key Insurance Terms

  1. Excess: The initial amount you pay out of pocket in the event of a claim. This is a fixed amount specified in your policy.
  2. Average Clause: A provision in insurance policies that reduces the payout if the insured amount is less than the actual value of the insured property. It ensures the insurer only pays a proportionate amount of the claim.
  3. Underinsurance: When the insured value of your property or contents is less than their actual value. This can result in reduced payouts in the event of a claim.
  4. Indemnity: The principle of making good a loss, returning the insured to the financial position they were in before the loss occurred.
  5. Loss Adjuster: A professional appointed by the insurance company to assess the damage and determine the amount to be paid for a claim.
  6. Assessor: An expert, like those at OMC Claims, who works on behalf of the policyholder to assess and negotiate insurance claims.
  7. Policy Booklet: A document that outlines the terms, conditions, and coverage of your insurance policy.
  8. Claim Handler: An individual appointed by the insurance company to manage your claim from start to finish.
  9. Settlement: The amount paid by the insurance company to cover a claim.
  10. Emergency Repairs: Immediate repairs required to prevent further damage to the property. These costs can be reimbursed if covered under your policy.

Final Tips

Making a home insurance claim doesn’t have to be stressful. By following these steps and seeking expert assistance from OMC Claims, you can ensure a smooth and efficient claims process, allowing you to get back on your feet with minimal fuss and stress. For any questions or additional support, don’t hesitate to reach out to OMC Claims for expert guidance and assistance. We are available right now on 1800 29 39 40