A recent article published by U.S. News and World Report, many people find themselves struggling with the insurance claims process because of something they either failed to do during the process or even before. Here are some important steps to filing an insurance claim that you might not have thought of.
Before you ever have to file a claim, know what your insurance policy covers. According to the article, it is a good idea to know the ins and outs of the policy, including what your deductible is and how the insurance company requires that you file a claim.
When you are in the process of filing a claim, keep detailed documentation of your correspondence with the insurance company, the article reports. This includes the time and date of any phone calls, as well as the person you spoke to. Email correspondence should also be kept.
After the claims process, if your claim has been denied, usually you can file an appeal. Your insurance company is required to tell you how this process works. Be aware, however, that there is often a time limit on how long you have to file an appeal.
Another very important part of the claims process is hiring a public adjuster. A public adjuster can focus on the claim while you focus on rebuilding, helping you to obtain the maximum amount from your insurance company, helping you to select contractors or vendors and providing you with the information you need to make informed decisions throughout the claims process.
Timmons Consulting Group can provide advocacy for commercial and residential policy holders. For more information on how we can help you file an insurance claim and get up to 30 or 40 percent more for you than the typical insurance settlement, contact us.