Early Stage of Filing Insurance Claim: What Should You Do (And Not Do)
During 2018, nearly six percent of insured homes were involved in an insurance claim*. However, some of these claims were denied because of mistakes on the part of the policyholder. Whether you are filing a homeowner’s claim or you have commercial property that’s been damaged, there are some dos and don’ts to filing an insurance claim.
Do Read Your Policy
To protect yourself from losses, it’s essential to understand what your policy covers. If you don’t understand what you are read in the policy, 1800Adjusters™ can help interpret it. We are happy to explain what the policy covers.
Do Contact the Insurer Immediately
Whatever loss occurs, it’s vital to let the insurer know immediately. Having a delayed response can cause the insurer to doubt your claim and slow down the process. However, you don’t want to call the insurance company before you talk to 1800Adjusters™.
Do Document Everything
Keeping a record of everything is key if you want to settle your claim fast. You will need an inventory of all the losses. It’s often helpful if you take video or photos, which is where we come in. We know exactly what the insurer needs to process the claim quickly.
Don’t Pay Third-Party Claims Out of Pocket
Let’s say a customer gets hurt on your property. Should you compensate that person for the injury by paying the expenses immediately? Absolutely not! Even minor injuries can turn into something serious down the road.
Normally, you are prohibited from making a payment and getting insurance coverage. If you make a payment, your insurance company could deny your entire claim. Don’t put yourself at risk.
For more dos and don’ts, reach out to 1800Adjusters™. We are ready to guide you to that settlement you deserve, whether you have suffered a homeowner or commercial property loss.
Give us a call at 1-800-Adjusters (1-800-235-8783) for a free consultation.
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