Is there any part of our lives that hasn?t been touched by the pandemic? Although homeowners insurance is not exempt, the good news is that the current crisis won?t affect it that much. But it?s important to be aware of how it could impact you, and what adjustments you may need to make as a result. Here?s what you should know so that you can stay informed.
Obteniendo nueva cobertura
La pandemia ha cambiado el proceso de compra de una vivienda. Uno de los pasos finales del proceso de cierre es el inspección de la casa, which happens after you?ve been approved for homeowners insurance. Typically, the insurance company would send an adjuster to the home to perform an exterior and interior inspection to verify your coverage or make rate adjustments. However, with social distancing guidelines in place, some adjusters may only evaluate the home?s exterior. You will still be covered in these cases, but the interior inspection may happen at a later date, once the danger has passed.
Trabajando desde casa
If you?re one of the many Americans now working from home, then you may not have enough coverage for your equipo de negocios. Most homeowners insurance policies cover business property, but the limits of liability are relatively low — usually up to about $2,500. If you?ve been forced to relocate your business equipment to your home, you may want to increase your coverage for that property.
Pausar la protección de uso compartido del hogar
¿Tiene alguna propiedad que alquila en sitios de alquiler a corto plazo como VRBO o Airbnb? Si es así, es posible que no esté alquilando esas propiedades durante algún tiempo. Si usted tiene protección del hogar compartido on your homeowners insurance policy, then ask your insurance company if you can temporarily pause that coverage. You could save money since you?re not able to rent out your home right now.
Presentar reclamaciones
Si se encuentra en la posición de tener que presentar una reclamación, deberá hacerlo de forma virtual. La mayoría de los ajustadores no pueden viajar o visitar en persona en este momento. Siga las instrucciones proporcionadas por su compañía de seguros para presentar su reclamo en línea. En la mayoría de los casos, aceptarán pruebas virtuales para reclamos menores. Sin embargo, si su reclamo es grande, es posible que envíen a un ajustador de todos modos. Asegúrese de que su compañía de seguros le brinde instrucciones sobre lo que debe hacer si el ajustador sale a la luz para que todas las partes estén seguras.
Luchando con los pagos
Are you having a difficult time making your payments because of financial hardships caused by the pandemic? Then contact your insurance company. Many companies are willing to work with their clients right now to create payment plans. It?s important that you stay in contact with your insurer and inform them of any difficulties you are currently experiencing.
Asociarse con los expertos
If you?re looking for the right homeowners insurance coverage for you, then it?s important to work with the experts. Contact Agente inc. y Soluciones de seguros para agentes hoy a las 949-791-8160 o [email protected]. Nuestro equipo está listo para responder a todas sus preguntas.
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