In the event of a claim, the insurance company allows you to protect your damaged property from further damages and make reasonable and necessary repairs to contain the loss. Most importantly make sure to help yourself first before filing a claim. Take the right steps to contain a loss and prevent further damage. Before filing your claim, call a restoration company or specialty company to assist with your cleanup needs.
Many people are flustered when they file an insurance claim given that claims typically follow devastating events like car accidents, illnesses or home fires.Accidents and natural disasters can strike without warning, causing costly damage to your home, vehicles and personal belongings. When this happens, you will have to file an insurance claim in order for your policy to kick in and recoup your losses.
Get the most out of the claims process
- Call your insurer as soon as an incident occurs. The quicker you get the process moving, the better. After you’ve contacted your insurer, you can ask an adjuster to come and inspect the damage.
- Document your losses before the adjuster comes. Make a thorough list of property that has been impacted by a disaster. Provide purchase receipts, or estimate how much the belongings cost and when you bought them.
- Take photographs of the accident scene, and don’t throw out damaged items before notifying your insurer.
Consider the following recommendations to increase the chance that your claims will be processed successfully. Better yet, put these tips in your wallet or post them on your fridge.
When you are involved in an automobile accident
- Do not apologize to other drivers involved or admit fault under any circumstances.
- Describe what occurred to law enforcement and to your insurance company. If you are unsure, leave it to the authorities.
- Always contact your insurance company immediately after an auto accident.
- Do not talk to the other driver’s insurance company; let your company represent you throughout the ordeal.
When your home is flooded
- The term “flood” in the insurance world refers to water damage resulting from an overflow of a nearby stream or river. Even if your sump pump did not work and you have 6 inches of water in your basement, you are not dealing with a flood.
- Making references to the wrong terms can cause claims to be denied or elongate the process.
- Review your homeowner’s insurance policy to determine what it covers with regard to water damage.
- Do not make guesses about how accidents occurred. An insurance investigator will determine the exact cause of the claim in question.
When you have a healthcare claim
- Avoid calling procedures experimental, investigational or a clinical trial. The claim may be denied if the treatment is seen as unnecessary.
- Do not sign any medical record releases. It is illegal for an insurance company to access your records without your consent, and they should not need them to process the claim.
Above all, it’s important to document the claims process, noting when you speak with your insurers and what the conversations entailed. This will help you track the amount of reimbursement you should receive and allow you to keep a record of insurance claims for future use.
The most important thing to remember when filing a claim is to provide only the necessary information. Do not speculate and do not judge; simply give the facts and the insurance company will take care of the rest.
We are always here for you. Feel free to contact Vanner Insurance for assistance throughout the claims process.