Filing a claim with your self storage insurance company

You’ve carefully packed away your cherished possessions, those irreplaceable mementos and valuable items into a self-storage unit.

You’ve chosen a storage place with care, confident in its promise of safety and security. You’ve locked the door, walked away and carried on with your life — comforted by the knowledge that your belongings are being protected.

But then out of nowhere a disaster strikes. A raging fire, reducing everything to ashes. Or a sudden flood hits, placing your precious items into water. Or even a break-in, a violation of the one place you thought was impregnable.

The news hits you like a punch in the gut. Your heart sinks, your stomach churns and a sense of despair hits you. Those items weren’t just things; they were memories, personal items, pieces of your past maybe even your future.

Then you remember: You have self-storage insurance. Amid the chaos and the shock, this realization provides some hope. You have a safety net.

So you get a claim ready. It might seem like a daunting task, all the paperwork and technical jargon. You might feel overwhelmed, unsure of where to start or what to do.

Don’t worry. You’re not alone in this journey. We’re here to guide you through this process, step by step.

Join us as we help understand your policy, gather the necessary documents, fill out claim forms, and assertively follow up with your insurance company. You’ll get tips and advice to help you maximize your chances of a successful claim.

Recover what you can so you can move forward.

Understanding Your Self Storage Insurance Policy

Just like any insurance policy, your self-storage insurance is a contract. It’s a promise, a safety net.

To make it work for you, you need to understand:

  • What does it cover?
  • What are the exclusions?
  • The deductibles?
  • The limits?

It’s all in the fine print. Grab your policy and put on your reading glasses.

When to File a Claim

The question of when to file a claim with your self-storage insurance company is a crucial one. It’s like knowing when to sound an alarm.

When do you start? As soon as you discover a loss or damage.

Imagine walking into your storage unit and noticing that something’s wrong. Maybe it’s a water stain spreading across the box of your vintage comic book collection, or the shattered remnants of your grandmother’s antique mirror.

Perhaps it’s an empty space where your high-end mountain bike used to be. The moment you notice that something’s wrong, that’s your cue. That’s when you need to spring into action.

Timing is not just important; it’s crucial. Time is not your ally in these situations; it’s a ticking clock, counting down. Most insurance policies have a specific window for filing claims, a deadline. This could range from a few days to a few weeks, depending on your policy. If you miss this window — you might lose your chance to file the claim.

Don’t put it off til later. The moment you discover a loss or any damage, start the claim process. Document the damage, gather your evidence, and contact your insurance company. It might seem like a lot to handle, especially when you’re dealing with the shock of the loss. Remember… every minute counts.

Steps to Filing a Claim

Document the Damage or Loss

The first step is documenting the damage or loss. This is your chance to play detective and gather evidence. Take photographs or videos of the damage, make a list of the items that have been affected — jot down any details that might be relevant.

This documentation will serve as the foundation of your claim, proof that substantiates your loss.

Gather Necessary Documentation

Next gather necessary paperwork. This can include receipts or invoices for the damaged items, a copy of your insurance policy, and any other documentatoin that your insurance company might require. Think of this paperwork as the foundation of your claim — tangible evidence supporting your loss.

Contact Your Insurance Company

Once you have documentation and paperwork ready, it’s time to contact your insurance company. Report the loss or damage to them and initiate the claim process.

During this conversation, you’ll likely need to provide specifics about the incident and the extent of the damage. Honesty and clarity are key during this step.

Complete the Claim Form

The next step is filling out the claim form. It’s actually one of the most important steps in this process. The claim form is your official statement, basically a written account of the incident. It’s crucial to fill out accurately and thoroughly — providing as much detail as you can.

Follow Up on Your Claim

Once you’ve submitted your claim, it’s time to follow up. Sadly, you’ll probably have to follow up several times until the loss is compensated to you.

Follow up involves staying in touch with your insurance company, keeping track of the progress of your claim and providing any additional information required. Following up ensures that your claim stays on track and moves towards a resolution… even if it feels like it is crawling forward.

Each of these steps mentioned above is crucial. Each step you take gets you closer to your goal. Be motivated, persistent and know that “you’ve got this.”

Tips for a Successful Claim Process

Want to increase your chances of a successful claim?

Here are some tips…

Be proactive

Contact the insurance company first (and often) if you don’t hear anything for a few days.

Be organized

Have all your paperwork together and keep copies of everything you send for your claim. Also make journal notes of each phone call you have.

Be persistent

This goes along with being proactive. Keep at it and keep checking on your claim.

Be patient

Insurance claims are a marathon, not a sprint. Unfortunately it’s going to take time. Try not to get frustrated, try not to yell at anyone on the phone, try not to threaten any action. Any of these things could cause delays — or even cancellation — for your claim.

What to Do If Your Claim Is Denied

By this point, hopefully your claim has been approved and you have a check in hand.

If not, then let’s see what can be done.

Receiving a denial for your self-storage insurance claim can feel like a punch to the gut. You’ve gone through the process, followed the steps and now you’re left standing at a dead end.

But here’s the thing: a denial is not the end of the road. In fact, it’s very common and a normal part of the process. Think of it as a test of your resolve.

Granted it’s a setback, but it’s not a full stop. You have options. Main thing is to see what needs to be changed, and make fast adjustments and resubmit.

The first thing to do if your claim is denied is to understand why. Insurance companies are required to provide a reason for denying a claim. It could be due to a lack of coverage, insufficient documentation or even a simple clerical error.

One of your options is to appeal the denial. This involves writing a letter to your insurance company, stating your case and providing any additional information or documentation that could support your claim. It’s your chance to argue your case, to present new evidence and plead for a reconsideration.

Another option is to negotiate with your insurance company. Sometimes a claim can be denied because the cost of damage is less than your deductible — or because the insurance company disputes the value of those damaged items.

This is a chance where you might be able to negotiate a settlement that’s acceptable to both parties.

You also have the option of seeking help from a third party. This could be a lawyer, a public adjuster or your state’s insurance department. These professionals can provide advice, assist with the appeal process, and in sometimes mediate between you and the insurance company.

The main thing is a claim denial is not a brick wall. It’s a detour, a redirection. Take a deep breath, regroup and come up with your new plan of action.

With the right approach you can turn that denial into an approval.



How to Choose the Right Insurance for Your Self-Storage Needs

When renting a self-storage unit, it’s essential to have insurance coverage to protect your belongings from potential damage or loss.

Choosing the right insurance policy for your self-storage needs can be a daunting task.

In this article, we’ll guide you through the process and provide tips to help you make the best decision for your unique situation.

Understanding Self-Storage Insurance Options

Before selecting a policy, it’s crucial to understand the different types of self-storage insurance options available. Generally, there are three primary sources of insurance for self-storage units:

  • Homeowners’ or Renters’ Insurance: Many homeowners’ or renters’ insurance policies provide coverage for items stored in a self-storage unit. However, coverage limits and exclusions may apply, so it’s essential to review your policy carefully.
  • Storage Facility Insurance: Some storage facilities offer their own insurance policies. These policies may have lower coverage limits and specific exclusions, so it’s vital to read the terms and conditions thoroughly.
  • Third-Party Storage Insurance: Third-party insurance providers specialize in self-storage coverage and often provide more comprehensive protection. These policies can be tailored to your specific needs and may offer higher coverage limits.

Evaluating Your Coverage Needs

When choosing an insurance policy, it’s important to consider the value of the items you plan to store, as well as any unique risks associated with your storage unit.

Start by creating an inventory list of your belongings, including the estimated value of each item.

This will help you determine the total value of your possessions and ensure you select a policy with adequate coverage.

Additionally, consider factors such as:

  • Climate Control: If you plan to store temperature-sensitive items, opt for a policy that covers damage due to temperature fluctuations.
  • Flood Risk: If your storage unit is located in a flood-prone area, make sure your policy covers flood damage.
  • Theft Protection: Ensure your policy includes coverage for theft, particularly if you’re storing high-value items.

Comparing Policy Features and Pricing

Once you have a clear understanding of your coverage needs, it’s time to compare policy features and pricing.

As you evaluate different policies, consider the following factors:

  • Coverage Limits: Make sure the policy provides adequate coverage for the total value of your belongings.
  • Deductibles: Consider the deductible amount, which is the out-of-pocket expense you’ll need to pay before the insurance coverage kicks in.
  • Exclusions: Carefully review the policy exclusions to ensure you understand what is not covered. This may include damage from pests, mold, or certain natural disasters.
  • Premiums: Compare premium costs between policies, keeping in mind that higher coverage limits typically come with higher premiums.


Asking the right questions about coverage
It’s important to ask the right questions to find out what is covered.

Asking the Right Questions

Before committing to a policy, ask the insurance provider or storage facility representative important questions to ensure you’re making an informed decision:

  • Claims Process: Inquire about the claims process and how long it typically takes to receive reimbursement for a covered loss.
  • Policy Cancellation: Ask about the process for canceling the policy, including any fees or penalties that may apply.
  • Policy Renewal: Understand the renewal process and whether your policy will automatically renew or if you need to take action to maintain coverage.
  • Customer Support: Evaluate the level of customer support provided by the insurer or storage facility, including their availability and responsiveness to inquiries.

Additional Tips for Protecting Your Stored Belongings

Beyond choosing the right insurance policy, there are other steps you can take to safeguard your possessions in a self-storage unit:

  • Proper Packing: Invest in quality packing materials and take the time to pack your belongings securely to minimize the risk of damage.
  • Unit Organization: Organize your storage unit to maximize space and accessibility, making it easier to monitor the condition of your belongings.
  • Security Measures: Choose a storage facility with robust security measures, such as video surveillance, gated access, and individual unit alarms.
  • Regular Inspections: Visit your storage unit regularly to inspect your belongings and address any potential issues promptly.

Choosing the right insurance for your self-storage needs is essential to protect your belongings from potential risks.

By understanding the different insurance options, evaluating your coverage needs, and comparing policy features and pricing, you can make an informed decision that provides peace of mind.

Additionally, taking proactive steps to safeguard your stored possessions will further minimize potential losses and ensure your belongings remain in good condition throughout the storage period.


Understanding Storage Unit Insurance: What’s Covered and What’s Not

When renting a storage unit, ensuring the safety of your belongings is a top priority.

But what happens if the unexpected occurs? Storage unit insurance can provide peace of mind, covering your items in case of damage or loss.

This comprehensive guide explores the ins and outs of storage unit insurance, including what’s covered, what’s not, and how to choose the right policy for your needs.

Why Storage Unit Insurance Matters

While storage facilities take numerous precautions to protect your items, accidents and unforeseen events can still happen.

Storage unit insurance offers financial protection, reimbursing you for losses caused by incidents such as theft, fires, or natural disasters.

Without insurance, you might find yourself facing significant out-of-pocket expenses to replace or repair damaged belongings.

Types of Storage Unit Insurance Policies

Insurance policies for storage units can vary, with each offering different levels of coverage. Understanding your options is key to finding a policy that suits your specific needs.

Homeowner’s or Renter’s Insurance

Some homeowner’s or renter’s insurance policies include coverage for items stored off-site. However, this coverage is typically limited, and may not be sufficient for high-value items or comprehensive protection.

Review your policy carefully to determine if additional storage unit insurance is necessary.

Storage Facility Insurance

Many storage facilities offer their own insurance policies, often as an add-on to the rental agreement.

These policies can provide coverage specifically tailored to storage units, but may come with higher premiums or limited options.

Third-Party Insurance

Independent insurance companies also offer storage unit insurance policies.

These can provide more flexibility in coverage and pricing, allowing you to customize your policy to fit your needs and budget.

Nationwide and Yardi (GoodShield) offer quality plans for self storage unit renters.


What is and isn't covered
What does storage unit insurance cover…

What’s Typically Covered

While specific coverage can vary depending on the policy, most storage unit insurance policies cover the following:

  • Theft: Insurance can reimburse you for items stolen from your storage unit, provided there is evidence of forced entry.
  • Fire or Smoke Damage: If a fire occurs at the storage facility, your policy can cover the cost of repairing or replacing damaged items.
  • Water Damage: Coverage for water damage is typically provided in the case of leaks or flooding due to natural disasters, such as storms or broken pipes.
  • Weather-Related Damage: Some policies cover damage caused by extreme weather events, like tornadoes or hurricanes, but coverage may vary depending on your location and the specific policy.
  • Vandalism: If your storage unit is vandalized, insurance can help cover the cost of repairs or replacements for damaged items.

What’s Not Covered

Just as important as understanding what’s covered is knowing what’s not covered by your storage unit insurance policy:

  • Mold and Mildew: Most policies do not cover damage caused by mold or mildew, as these issues often result from improper packing or storage techniques.
  • Vermin or Pest Damage: Damage caused by rodents, insects, or other pests is typically not covered, as it is the responsibility of the renter to properly store and protect their belongings.
  • Normal Wear and Tear: Insurance policies do not cover the natural aging and deterioration of items in storage.
  • High-Value Items: Some policies have limits on the coverage for high-value items, such as jewelry, artwork, or collectibles. You may need to purchase additional coverage for these items.
  • Acts of War or Terrorism: Most policies exclude coverage for damage or loss due to acts of war or terrorism.

Choosing the Right Coverage Amount

When selecting a storage unit insurance policy, it’s essential to choose an appropriate coverage amount.

To determine this, you’ll need to assess the value of the items you plan to store.

Create an inventory list, including the estimated value of each item.

This will help you determine the total value of your belongings and select a policy with enough coverage to protect your investment.

Additional Tips for Protecting Your Stored Items

While insurance provides valuable protection, taking additional precautions can help prevent damage or loss in the first place.

Consider the following tips:

  • Choose a Reputable Storage Facility: Research storage facilities and select one with a strong reputation for security and cleanliness.
  • Invest in a Quality Lock: Purchase a high-quality lock to secure your storage unit, reducing the risk of theft. Storage centers often sell quality locks on premises.
  • Properly Pack and Store Your Belongings: Use appropriate packing materials and techniques to protect your items from damage, including using climate-controlled storage when necessary.
  • Visit Your Storage Unit Regularly: Regularly inspect your storage unit to ensure that your items remain in good condition and to address any potential issues promptly.

Storage unit insurance is a vital consideration when renting a storage unit, providing financial protection for your belongings in case of unexpected events.

By understanding what’s covered, what’s not, and how to choose the right policy, you can enjoy the peace of mind that comes with knowing your items are protected.

Combine insurance with proper packing, storage techniques, and regular visits to your storage unit to maximize the safety and security of your stored belongings.