There is a time limit, so it is necessary to send the Certificate of Loss to the insurance company within 60 days after the incident, and select the appraiser within 20 days after the insurance company sends the valuation notice. Anyone who disagrees with the insurance company's claims must file a lawsuit within 12 months after the loss occurs. If the building with vacant weapons is insured for less than 60 days at the time of loss, the insurance company will not pay the claim.

The process and steps of home insurance claims in the United States are as follows:

Step 1: Submit the certificate.

The owner must declare the loss of the house within 60 days after the loss occurs, and fill in the "loss certificate" and submit it to the insurance company. Various loss items (items) should be listed in detail in this table, and their values should be indicated. Each item in the table is listed as an item, but the price is separate. It is best to declare the loss separately by room for the insurance company to review.

Step 2: Convert the price

All property losses must be discounted (except those with replacement cost insurance). The depreciation rate of each project is different. The annual depreciation rate of electrical appliances is 10%, hard furniture is 5%, soft furniture is 10%, tools are 5%, clothes are 5%, curtains are 20%, cameras are 5%, and antique silverware and jewelry are not. The applicant should try to provide the original or photocopy of the receipt as the basis for verifying the loss. Many Americans usually make a list of all the items at home, put them in a fireproof safe together with the receipt at the time of purchase, and deposit them in a bank safe, which can be used when applying for claims. If the original receipt of lost items is lost, the procedures are relatively complicated and some written statements are needed.

Step 3: Protection of rights and interests

If the insurance company has a bad business style and fails to settle claims according to the regulations and contracts, the applicant should write down the reasons for the whole incident and keep a copy of the letter communicated with the insurance company so as to find a lawyer to sue the insurance company.