How soon can I make a claim after purchasing home insurance?

I'm in the process of getting a new homeowners policy. How soon can I file a claim on this policy?

Answer
You can file a claim immediately after the homeowners insurance becomes effective, as long as it’s due to an event that occurred after the policy came into effect. For example, if you have a fire in your home on January 15 and start a new homeowners policy on January 16, the fire is not going to be covered. Insurance companies will investigate claims thoroughly if they are made not long after a policy starts to avoid fraud.
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Alexah Grinnell
Answered on Mar 05, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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