Insurance Claim Tips Filing a Claim Reporting a Claim

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INSURANCE CLAIMS TIPS

Each year homeowners pay billions of dollars in insurance premiums, and one of the most discouraging things that can occur to a homeowner is paying your insurance premium for years, and yet have the insurance company deny an insurance claim.

Preparation and planning well before a loss occurs can help homeowners avoid potential frustration, and promptly getting the professionals involved when it comes time to file can help ensure receiving an adequate payout.  Here are some tips on being prepared for a loss and what you can do to ensure your full reimbursement:

(1) MAINTAIN A THOROUGH INVENTORY

Being fully reimbursed on your insurance claim begins by listing what you own, particularly the more expensive items, including what they cost, even if you can on document an estimate.

Taking photos or even shooting video while you describe the items and how much you paid for them, works too. And, if possible, take digital photos and video, which you can store online. In the event that your computer is damaged during the loss, you will need to access your media.

(2) UNDERSTAND YOUR COVERAGE

Knowing what your insurance policy covers and what it doesn’t is essential to getting through the claims process quicker.  Sifting through the language can be overwhelming, but all you need to know is what type of policy you have and the extent of your coverage

(3) GET THE PROFESSIONALS INVOLVED

As soon as damage strikes, contact the necessary professionals to complete temporary repairs and investigate the claim.  Especially in instances of water damage.  Prompt effective water mitigation is essential to prevent further damages.

Additionally, just as the insurance company has an adjuster working for them, you can have an adjuster on your team who has your interest in mind.  An independent insurance adjuster will help you understand your policy and assist you through the entire claim process.

At All American Public Adjusters, we have experience negotiating claims with Allstate, Statefarm, Nationwide, Travelers, and numerous others

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Types Of Damages

  • Storm Damage
    • Hail/Wind/Water
    • Hurricane
    • Tornado
  • Fire Damage
  • Water Damage
    • Pipe break
    • A/C Leak
    • Dishwasher Leak
    • Mold Damage
  • Theft/Vandalism Damage

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