Effectively Filing a Claim

Effectively Filing a Claim

Insurance is there to protect you in the event of a loss, and help alleviate the financial burden.  In the event of a property claim, you want to quickly restore your property and move forward with life. Below are some important tips to navigate filing a claim:

  • Know what you have insured: It’s best to be proactive and keep a list of your personal property. In the event of a total loss, it’s hard to recall everything you own. An easy way to keep track is to take photos or videos of each room. Be sure to keep these documents in safe place off premises, such as a safety deposit box, or email them to yourself.
  • Prevent further damage ASAP: When it comes to property claims, you will want to do what it takes to prevent further damage (calling a plumber to repair a pipe or calling a clean-up service in the event of a flood). Be sure you document damage and keep receipts. However, don’t hire anyone to do major repairs without first contacting your insurance agent.
  • Know your agent: Your agent is an invaluable resource in the event of a claim. Agents will be able to walk you through the process of filing a claim, or even file it for you!
  • Report your loss right away: It is important to file the claim as soon as it is reasonable to do so. This is important because your policy may require a claim to be filed within an allotted period of time. Not filing the claim in a timely manner may result in a claim being denied.
  • Keep records: Be sure to keep records of all the correspondence regarding your claim, note the claim number and adjuster name for easy reference.

One of the most important points: ask questions. Don’t hesitate to reach out to the claim representative or your agent if you have questions. Things will run smooth when everyone is on the same page, and fully understands the situation. Every claim is different, but in the end, everyone involved wants claims resolved quickly and efficiently.

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