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PAL Finance Group, LLC

985 Amicks Ferry Rd
Chapin, SC 29036

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Step-by-step guide to file a home insurance claim

A step-by-step guide to filing a home insurance claim

We all buy home insurance hoping never to file an insurance claim. Unfortunately, accidents happen that force you to file a claim to receive compensation for the damage or loss incurred. Many homeowners in Chapin, SC do not know how to file a home insurance claim. If you are one of them, don’t worry. PAL Finance Group LLC will help you learn how to do it successfully and get back to normalcy as soon as possible.  Here are the five steps to take:

1. If it’s a crime, call the police immediately: If you are a victim of theft or someone committed a crime in your home, like starting a fire, call the police immediately. Get a police report and the name of the officer who attended to you. Your insurer may need this information.

2. Call your insurance company: Let your insurer know what happened and ask questions if you are unsure about the covered loss. Your agency may request your personal information; make sure you have all the details.

3. Fill the insurance claim form: Your insurer will send you a few forms to fill required by the law. They have a specific deadline, so you need to fill them fast and return them as soon as possible.

4. Have an adjuster inspect the damage: Your insurer will also send an adjuster to inspect the damage and determine what needs to be repaired and what needs to be replaced. They also decide whether or not you will be compensated.

5. Prepare a list of damaged items and make necessary repairs: Make essential repairs but be sure to document them. You also need to have a list of what was lost or damaged to speed up the claim process.

Don’t forget to read and understand your policy. You may not have time to go through your home insurance plan when an accident happens, so make sure you understand everything. Also, feel free to ask any questions about the claim. For more information about home insurance claims in Chapin, SC, contact PAL Finance Group LLC today.


3 Ways Home Insurance Protects You

Home insurance is something that most people don’t have anything to do with until they buy a home, and suddenly they need to be an expert. What does it cover, what is excused? It’s all so confusing. If you don’t feel like you are an expert and you live near Chapin, SC, PAL Finance Group LLC is there to help you navigate the complicated world of homeownership and home insurance.

Home Structure

Your home policy covers the structure of your home from a variety of hazards, fire, wind, vandalism, ice, lightning strikes, and more. Check your policy for a complete list of covered hazards and also a list of exclusions. The policy also covers attached structures like a garage and unattached structures, such as a shed or casita. Normal wear and tear are not included. 

Personal Belongings

Your personal belongings include everything from your appliances and electronics to your clothing and jewelry. If you have valuable items, they may need an additional rider. Check your policy for limitations of specific categories such as jewelry and art. Your policy will cover your personal property even if you are not at home, and your item is stolen from your car or luggage. 


Liability is an integral part of your insurance coverage. It protects you when someone is injured on your property or by a member of your family, even a pet. Legal fees and judgments can be costly, and if you need it, your home insurance can be a lifesaver in this situation. 

When you want to talk about the home insurance policy that is right for you, give the office of PAL Finance Group LLC in Chapin, SC a call or stop by. You can make an appointment to discuss your needs and get a free no-obligation quote.