How To File Your Insurance Claim Effectively


As last week Hurricane Irene approached, large number of groups released tips regarding how one can effectively file claims. Consumer Federation of America that is consortium of not less than three hundred consumer interest groups as well as United Policyholders, that is non-profitable located in San Francisco, California funded by Rockefeller Foundations as well as some others, suggested claims for policy holders:

  • Be prompt at filing claim as well as respond quickly to details requested by insurance providers. In case a request is there that you think isn’t reasonable, quickly say it as well as give it in writing.
  • Mention claim number no sooner than you file the claim. This should be posted somewhere prominent in office or home of yours. It is because you’ll require it each time you are discussing your claim with insurance provider.
  • Start a notebook for documenting each communication that you have with insurance provider including time, date, as well as summary of conversation. This will assist in keeping track of your claim status. As a part of preparing paper trial, you must confirm any promises or communication made by phone or in person with short follow-up letter or email. Prepare notes on any sort of improper conduct shown by insurance provider or adjuster of the company that in turn will assist you in negotiating settlement.
  • Find the name of staff adjuster assigned by the insurance company for your claim as well as pen it down, said by Consumer Federation in one statement. Insurer will typically send independent adjuster or some hired contractor to clients for estimating damage. The hired adjuster most probably won’t be authorized for making claim decision as well as payment on the part of insurance provider hence individuals may require following up with company employees for making those decisions.
  • Try being proactive when it comes to providing proof of damage to insurance provider asking for required claims payments. United Policyholders advise that you shouldn’t wait for insurance provider to tell how much they have to pay you.
  • Be accurate, polite, and try avoiding grammatical as well as spelling errors in correspondence of yours with the insurer. The group suggested that you shouldn’t consider insurance providers as an outlet for venting emotions and frustrations related to actual cause of your losses. You should avoid writing or saying anything that can make them look uncooperative.
  • You must consult attorney prior to signing non-disclosure or confidentiality agreements as they can reduce the ability of obtaining complete benefit of the policy.
  • Get out photos or inventory of possessions and in case you don’t have them, quickly list them as well as find holiday or family photos that can include few of the primary possessions that were lost or destroyed. This is recommended by consumer federation.
  • Get estimates of repair from reputed and trusted local contractors that will assist you while you are talking to insurance adjuster. Maintain receipts from any sort of emergency repairs that one makes so as to prevent further damage or temporary housing costs which can be reimbursed in additional living expense coverage.
  • Maintain track of money and time that one is spending on claim preparation itself. Often business policies cover the cost of claim preparation but house owners can negotiate as well to get costs covered under additional living expense or same kind of coverage as per United Policyholders. After large losses, insurance claim process can turn out to be full-time task. You may be required to invest countless hours in dealing with paperwork, making phone calls, answering questions, and lots more. Those who are self-employed means they’ll be losing income hence they may require hiring professionals who can assist them with claims.