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10 Insurance Claims Tips :-

Don’t get over eager or careless when you submit you insurance claim as this could lead to a loss of time or money or both, failing to follow the correct procedure prescribed by the insurer could even result in your insurance claim being rejected.

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Below you will find 10 useful Insurance claim tips which will help avoid such situations: -

1. Report a insurance claim as soon as possible, once goods are lost or damaged their could be a time restraint and this is a deadline you need to meet.

2. Document the damage before the insurance assessor arrives this will save time, and a good list of goods with descriptions and even photos if possible helps the insurance assessor, gather up receipts or any other documents that could be useful to asses damaged or lost goods.

3. Check you insurance coverage often, things change and you may not claim from you insurance when you could’ve due to not knowing the extent of your insurance coverage.

4. Don’t ever make permanent repairs before the insurance company has assessed the damages (inspected the property), take temporary measures if urgent but should you repair the damage the insurer may decline your claim.

5. Accompany the insurance assessor when he inspects the damage, take notes to make sure you remember the outcome of the discussion. It is a good idea to have a trusted contractor along as he can give a second opinion.

6. Remember too keep full notes of all discussions & transactions with the assessor and insurance company of your interaction with the insurer, they are known as notoriously bad administrators and they have lost many peoples files, keep copies of all correspondence.

7. Don’t be bullied into accepting a insurance claim you don’t believe is fair, you can have an independent insurance estimate if you want.

8. When getting insurance quotes for repairs get more than one, three is ideal, use a trusted local contractor with a good reputation. Disaster zones do attract fly by nights.

9. Should your insurance claim be rejected you are allowed to appeal and good brokers are also often good mediators and could help in your communication with the insurer.

10. Using a broker rather than dealing with the insurance company directly can be advantageous in that they are often in good standing with the insurance company and due to this they can negotiate better insurance deals and insurance claims.

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