Submitting a Claim on Your Home or Auto Insurance

March 25, 2015 at 9:00 AM | Posted in Auto, Home, Insurance Claims, Insurance Policy | Leave a comment
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Due to this year’s severe winter, you are possibly one of the many that has sustained damage to your house or vehicle. Claims issues ranges include everything from ice dams and house fires, to broken windshields and auto accidents. No matter what type of loss you have, the following steps will help make your claim process go as smoothly as possible:

  • Contact your insurance agent as soon as possible.  Some questions you may want to ask are:  Is the damage covered? How long do I have to file the claim? Will the deductible apply? Do I need an estimate? How will this affect my future insurability?
  • Submit a claim. Once your questions have been answered and you make the decision to submit the claim, your agent can transfer you to your company’s claims department or help you contact them directly. The company representative will take your statement and assign you to a company adjuster that will handle your claim. Most likely your adjuster will send someone out to inspect the damage and help settle the claim. There is no charge for this service. You may also be contacted by a Public Adjuster who has no relationship with your insurance company. Public Adjusters charge you a fee for their services that can be as much as 15 percent of your claim settlement. Be advised, they can’t get more money for you than what is stated in your policy.
  • Create a file for your claim. The better organized you are the easier the entire process will be. Write up a summary of what happened, take pictures, and keep lists of damaged items. Keep copies of all forms that you send to or receive from the company or your agent. Write down the name of everyone you speak with along with the date you spoke to them.
  • Know who to contact for claims assistance. If you have questions regarding your claim, your company adjuster is the best person to contact. If you are still not happy with any aspect of your claim, contact your insurance agent and they will get involved on your behalf.

It is in the insurance company’s best interest to pay claims quickly and fairly to keep their customers happy. Most companies stake their reputation on how they handle their claims. Our agency recognizes that claim handling is one of the most important insurance services we offer, therefore, we have a dedicated Claims Adviser on staff to advocate for our customers. If you need guidance with your claim, please give us a call at 888-850-9400.

 

 

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