When to file a home insurance claim

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Natural disasters from blizzards and tornadoes to Hurricane Sandy have been in the news a lot lately. Add to that the more common, everyday occurrences like frozen pipes, leaking appliance water lines, stove and flue fires, and other problems that can occur in your home, and you can easily see why it's so critical to have good homeowners insurance. Even with a good policy in place, many homeowners are confused about if and when they should file a claim. Every situation is different, and there are a lot of factors that will enter into your decision. The best person to advise you is your insurance agent, and in some cases you may even need some assistance from your attorney. But here are a few things that might help you better understand this often complicated process. Is my loss covered? That's usually the first thing that a homeowner wants to know. Those occurrences that are covered under your homeowners (or tenants) policy are spelled out in the policy itself, and while the...