Filing an insurance claim can often be a hassle. There's a lot of back and forth, waiting on hold, and headaches in terms of cost. But it doesn't have to be that difficult. There are things you can do to ease the pain of filing a claim-- while getting the compensation you deserve for your claim. Insurance agents can help figure out your claim, how much you will be entitled to, and get you what you need in a timely manner. There are a few things you must do in order to get the outcome you want.
Follow your companies procedures when it comes to filing a claim. That way, you avoid costly mistakes and human error. Many insurance companies, such as Altieri Insurance Consultants, have a specific time deadline when you file a claim. If you don't abide by the time restriction, your claim could be denied. Some companies give you a deadline of 30 days— others allow you to wait as long as three years to file a claim. The sooner you file, the faster you can get the compensation or outcome you want. Gather as much information as possible for your claim. Whether it's a robbery, damage to your home in a natural disaster, or an auto accident- it's important to have everything clear and present for the insurance agent to review-- in order to get you the best possible outcome. There’s no detail to small or unimportant to leave out. Don’t be afraid to document even the most minor of damage or detail in regards to your claim. This includes reporting any existing damage to the home or property- so it doesn’t get added to your claim. For example, if you have a a leak in your roof but also a crack in your foundation— and you’re trying to get a claim for the crack in your foundation— you need to clarify that the leak in your roof is a separate problem. If you don’t— you run the risk of your insurance trying to add that to your claim and possibly exceeding your deductible- thus increasing the cost upfront for you.
Upfront information also includes honesty. If you aren't honest with your insurance agent, it could cause your claim to be denied or reduced in value. Even worse, you could be charged with insurance fraud. Insurance fraud is a serious crime with serious consequences-- such as hefty fines-- or even prison time. To avoid these penalties, don’t be afraid to tell your insurance agent the truth. Even if it’s your fault or you caused the damage to your home or property— you can still get a claim filed and your insurance will work with you.
If your claim involves police (such as a robbery or damaged property) make sure to get a police report. A police report can assist in getting the proper compensation you deserve from your claim. It also allows your side of the story to be told accurately, and can counter statements made by the other person or persons involved. If you tell the police who is involved and are up front and thorough; it can help your insurance get you the best claim and outcome possible. If the stolen property hasn’t been sold— a police report can also get your stuff back to you. If you avoid filing a police report— it may be more difficult to get your stuff back to you.
For homeowners insurance claims, make sure to document all the damage and provide receipts for the items if they are of particular value to you. This can expedite the claim if the insurance agent knows the cost of the item that was damaged or stolen. Don't repair damage to your home without permission from the insurance company. They may want to see the damage to determine your level of coverage. If the damage must be repaired to make the home livable, make sure it’s minor repairs that can later be covered by your insurance. Be sure to show your receipts for those repairs as well.
Insurance claims can often be a headache after a loss or theft. They do not have to be. Alteri Insurance Consultants are licensed insurance adjusters that can help you with your claim, and get you the peace of mind you need. Sometimes you don’t have to file a claim. When you do, insurance agents can help answer any questions you may have and make the process that much smoother. It’s often not fun to file a claim with insurance, but if you work with professionals like Altieri Insurance Consultants and follow the right tips, it can be much better.
Contact Altieri Insurance Consultants today if you have a claim or if you would like to review your homeowners or commercial real estate policy.
Ray is charged with the management and oversight of corporate outreach into the community as it relates to new business, as well as the forward direction of the company. Ray has been with Altieri Insurance Consultants since 2003 where he has performed a multitude of duties providing a foundation to his growth within the company during those years. View Bio