Renters insurance protects tenants against personal property loss, liability from guest injury, and cost of living expenses when temporarily displaced. When tenants buy renters insurance, it is with the hope they never have to use it. However, it is hard to control what can happen. So if a tenant incurs a covered loss, liability, or living expense, they will want to file a renters insurance claim.
The process to file a renters insurance claim is fairly straightforward. Here are the high level steps for tenants:
- Notify the Landlord: Let the landlord know what is happening. If the unit is damaged, the landlord will need to coordinate repairs. Depending on the situation, like in the case of a burglary, the landlord may want to ensure the unit(s) are safe and habitable as well as inform nearby tenants.
- File a Police Report: Depending on the incident, filing a police report may be necessary and possibly required by the insurance company. In some cases, a police report substantiates the situation.
- Contact your Insurance Company – As soon as you realize you need to make a claim, contact your insurance company. They will be able to explain the process, provide the necessary forms, and answer questions.
- Gather the Necessary Documentation: To file a successful renters insurance claim, provide documentation of the damage or loss. This includes photos, receipts, and any other evidence (like a police report) that can help verify your claim.
- File the Claim: Submit the necessary paperwork to the insurance company and then wait for a response.