Insurance claim amount is always something creeping up on the mind of both insurer and the insurance company. It is more evident in case when there is a possibility of you filing a claim to recover the amount for that claim.

If you provide sufficient proof and necessary documents for your home insurance claim, there is a fair chance you can get the amount by the Home Insurance company or provider. Also, submitting a claim on your home policy is a relatively quite simple process. The steps involve contacting your agent, filling out a claim form and waiting for an appointed arbiter to verify the facts and judge the authenticity of the damage. If the damage is really worth notice, it's a matter of few days to get the claimed amount through check. Most claims are handled quickly.

Sometimes the claim process can really be time taking and frustrating. Also keep in mind that most insurance providers don't enjoy the idea of two or three claims in a short span of time and you stand almost certain chance of getting cancellation of these claims. Try to stay away from high risks, so you should be sure to make only those claims that are absolutely necessary. Or, if you are sure about your rights to claim and corresponding damage or loss, just go full throttle to register a claim. Only remember that there can sometimes be unpleasant repercussions.

Here are some general tips for handling auto and home insurance claims:

• Know your policy.
• Stake your claim quickly.
• Avoid using the word "lawyer."
• Keep a copy of the police report.
• Get an estimate or two.
• Make temporary repairs.

Home Claim Procedure

• Inform the call center with policy details.
  
• Provide relevant information, which includes your policy and other details regarding your claim. Consequently, your claim request is authenticated and is escalated to the company's claims department.
  
• Company's claims department validates and registers the request. They appoint a surveyor within 48 hours.
  
• The insured submits all the relevant documents to the surveyor. The surveyor submits the Final Survey Report (FSR) along with the documents within 7 days.
  
• If surveyor is not appointed, the company's claims department sends a letter of requirement for submitting documents to the insured within 24 hours of claim intimation.
  
• On receipt of documents, the claims department processes the claim within 7 days. On approval of the claim, a letter is send to the insured giving the approved amount of settlement along with the discharge voucher.
  
• Payment cheque is released on receipt of the signed discharge voucher.
  

Documents Required
Documents are the most valid and appropriate proof for your home insurance claims. Always keep your documents in place and ready both before you need to make a claim and when you need to make one. It is always advisable to save the receipts for items you buy. This will give the indication and estimation of the total cost of items and damage claim amount accordingly. Photographs and/or videotapes of your home (both in pre- and post-disaster form) can also be beneficial. These will help you establish an inventory of your belongings should the need arise. Always save photos or videos of the damage before you begin cleaning up.

List of Documents Required

1. Duly completed and signed claim form
2. Xerox copy of policy
3. Copy of FIR
4. Final Report from police
5. Copy of all invoices, price lists, repair estimates

Please note that this is an indicative list and some other documents may be required at the time of claim settlement.