Insurance Agent/Adjuster
Insurance Claims
Here are a few steps you can take to ensure the claim process goes smoothly.
Know Your Policy
Reading through your policy will give you a better understanding of your coverage and if it makes sense to place a claim. If the claim is not double or triple the deductible on your policy, it might not be a good choice for that repair. The higher the cost of the repair, the more it makes sense to use the coverage.
Necessary Repairs
Any repairs that would help prevent further damage or secure your home should be made immediately. Examples of these repairs would be boarding up your windows or using a tarp to cover a damaged roof. The expense of these repairs is often reimbursable through your insurance. Consolidate damaged items in one area, but do not discard them; the insurance adjuster may need to inspect them.
Account for Damages
Taking pictures of the damage will help make the claim process move smoothly. Most contractors will give you an idea of what the repair cost would be. Having a couple quotes will help you better assess the damage and repair cost. Create an itemized list of the damaged items and include any relevant quotes received.
Placing a Claim
Review your policy first; most policies impose a time limit on filing a claim. Have as much information as possible about items damaged and the repair cost when you call. Be sure to take notes and ask questions about coverage and timelines. Make sure to get a copy of the claims form sent to you as well.
Settling a Claim
Once your claim is approved, the insurance company can often work with the contractor to settle the claim or possibly send you a check for the repair cost. Insurance companies also have preferred contractors they will recommend. The insurance company is required to act in good faith and investigate the circumstances surrounding the claim. If you feel the insurance company has not done this or was unfair in their assessment, you have the right to file a complaint.