When a catastrophe occurs after hours, who do you call? If you decide to call your agent, do they answer the phone or give you a call back? Why is this important?
Not everything is covered by your insurance policy and the most common problem is filing a claim with the company’s 800 # and getting the claim denied.
A much better plan is to run the scenario by your agent and ask if it is covered. Your deductible could exceed the damage or you may have declined or waived that coverage. Happens all the time.
