The thought of coming home to a flooded home where all your precious belongings are damaged may seem far-fetched.

But the truth is, disaster can strike at any minute and there are only so many precautionary measures one can take to minimise the loss or damage. Having home insurance means added security for you in your unexpected time of need. One of the benefits of being covered is that when Mother Nature strikes, you will have a shoulder to turn to without financially crippling yourself.

Here are guidelines to help you claim in times of need:

• Gather and document all evidence
  The first thing that comes to mind after a mess is “clean-up”, but before you put on your cleaning gloves ensure that as much evidence is collected as possible to support your claim . Your evidence can be documented in the form of images or a video that clearly shows the extent of the damage caused by Mother Nature. Note that every piece of evidence is important and required when you make a claim so do not throw anything away.
• Expect a visit from an insurance assessor
  Once you’ve submitted your claim, an assessor will pay you a visit to inspect and review the extent of the damages to your home and valuables. An assessment report will then be provided to your insurer in order to validate your claim. Your insurer will then inform you of the status of your claim and how much will be paid out in the event that it is approved.
• Contact your service provider
  Mother nature’s ambush is often unavoidable; should you find yourself stranded it is wise to contact your service provider and inform them about the damage done to your home and contents . The consultant assisting you will further guide you as well as let you know which documents are required to start with the claiming process. With MiWay , you can handle your insurance claim your way by submitting your claim online or using the mobile App .

As heart-breaking as it is to watch all your valuables being destroyed, knowing that your home contents are covered offloads tons of baggage on your shoulders. It also comes in handy especially when Mother Nature strikes and you are not financially prepared to replace the damaged items.

For a pain-free insurance claim, ensure that you contact your insurer as soon as your valuables are damaged and disclose everything. Co-operating with the consultant assisting you will make your claims process quicker and easier. To get your home and all its contents covered adequately, get an obligation-free quote from MiWay.