How Do I Make A Claim? Installment #1


The insurance claim process is the same no matter in which state you live. Don’t wait to read your policy to know what it covers. You may be unpleasantly surprised. You have a lot of valuables, jewelry, pictures, knick-knacks with sentimental value. Money will not replace the sentiments, but when it comes to repurchasing things it is much needed.  Hopefully you will never have to ask “How do I make a claim?” but just in case, today we share important tips regarding claims.

Know Your Policy

Don’t find out the hard way that you are not covered. Know your insurance policy. Although reading it and understanding it may be a challenge, that’s what your agent is for; to help you understand what’s covered. The first page is usually your declarations page. It consists of your name, address, policy number, coverages with dollar amounts, and endorsement codes. Check your dollar amounts and limits for the Contents/Personal Property section. This, of course is not the only page that matters. Throughout the policy there will be information regarding limits for specific items (art work, computers, valuable papers).

Scheduled Items

At this point you may need to do some figuring to find out exactly what the limits of your policy are. Generally, basic content limits are a percentage of the dwelling coverage limits with 60 percent being the usual standard. Scheduled personal property is additional coverage added to protect valuable items to ensure that their value is fully covered. In such cases, the items are individually added and an additional premium may be charged for each. The appraisal value of each item is also usually kept on file with the insurance company. Such items include but are not limited to:

  • Jewelry
  • Art
  • Musical instruments
  • Furs
  • Coin collections

For more information regarding claims stay tuned for Installment #2.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets. To learn more, or to get a free quotecall our Carrollton office today at 972-492-8500.