5 Tips for Filing an Insurance Claim

Catastrophes are part and parcel of human life.  Sometimes these catastrophes come when we least expect. Other times, we may be aware but helpless to stop them. Some catastrophes come as a result of human error but others such as storms are as a result of natural conditions.  Whatever the source of the disaster, human life is usually disrupted. It is prudent, therefore, to have an insurance policy to protect you and your family against such occurrences. If you are insured against some of these disasters, you will be compensated by your insurer.  The insurance broker or agent will only do so once you file your claim.  It is, therefore, important to know how to file an insurance claim. To help you navigate your way around check out the following five tips on how to file an insurance claim.

  1. Speed Is of Essence

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You are expected to file your insurance claim immediately after the triggering event. Call your agent to start the process.  The insurance company is required by law to act promptly on your claim. You should insist that the company act on your claim urgently. Write to them if they are taking too long to get back to you.  You can hint that you will be sending your complaint to the state department of insurance.  This should prompt them to act if they are dilly-dallying. Remember you are not the only one making claims. Those who filed earlier will be paid first.

  1. Be Thorough in Your Dealings with The Company

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You will be required you to give a “proof of loss” claim.  This is a list which contains all the things you have lost. Do not forget to include the value of each item.  As you fill the “proof of loss” form, ensure you capture all the nitty-gritty details. Such details will include the date of loss, type of loss, the location, and mention any injuries suffered.  Remember to describe the damaged contents and other people involved.  Lastly, attach a police report as well. The process may involve endless calls, letters, documents, and emails. Make phone call notes as well to remind you what was said. Ensure that any dealings or communication between you and the insurer is recorded.  Retain original copies of documents you send to them. Get a folder to help you get organized. Being organized will help you in case the insurance company starts tossing around.

  1. List Everything You Have Lost and Do Not Throw Away Any Evidence

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As soon as you can, sit down and list everything you have lost. It is important to do so soonest before you forget. Do not rush this process.  Enlist the help of the people around you to ensure you capture everything.  Do not throw away anything. The insurance company may require evidence that you actually had such an item.  Lack of evidence means you will not be compensated.

  1. Closing the Deal

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Ensure that your claim remains open for a while.  This is because you may later discover you overlooked something in the original claim.  Do not give in to pressure from the company to close the deal.  It is advisable to wait a few months before agreeing to close the claim.  Stand your ground on this. Close the deal only when you are ready.

  1. You Can Get an Advance Against Your Final Insurance Claim

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In case of a fire, you may find yourself being evacuated hurriedly.  You will not get time to take essential items such as clothes and toiletries.  You can ask the company to send you an advance check to purchase these necessities. This will tide you over as you wait for your total claim.  Act in moderation as you buy the items you need.  The company will deduct this from the final claim.

If it’s still not clear how you should go about making a claim, get in touch with your insurance broker Calgary to help with the process.

 

 

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