How to Submit a Claim in Home Insurance: Step-by-Step Guide 

In this article, we'll explain step-by-step how to notify your insurer about an incident related to your home insurance:

1. Collect the necessary information

The first step is to obtain all the necessary information about the claim. This includes a clear description of what happened, the date and time of the incident and any other relevant information that can help the insurer understand the situation. If it is a robbery or theft, the report must be submitted to the competent authority. This documentation will be essential when submitting a claim to your insurer.

2. Contact your insurer

Next, contact your insurer and provide them with all the incident's details.Ask about the procedure you have to follow in order to formalise your claim, and have your insurance policy at hand to facilitate this search for information.

3. Expert appraisal

After submitting the claim, an expert may visit your home to appraise the situation. This will determine the amount your insurer will compensate you.Don't forget to save a copy of all the documents you send to the insurer and the communications you have maintained with them. 

4. Financial compensation 

Lastly, once your claim has been approved, you will receive the corresponding compensation in accordance with your policy's terms and conditions.

If you think the insurer's response is not appropriate, there are ways of appealing.  And if you don't have home insurance yet or you want to change it, we recommend that you take a look at our DKV home insurance.