Everyone wants their insurance claim paid fast and hassle free. These five tips will help keep you organized and get the service you want so you can receive your insurance payout quicker!
Tip 1: Document your personal property
No matter what your claim is — be it damage to your car, home, or rental — take pictures of everything, from license plates to scenes of the accident. It can also be important to prove the prior condition and existence of lost or damaged property. This will prevent questions down the line that could slow down the claims process.
Tip 2: Organize your valuables in advance
Always be prepared to move quickly, especially if you know a storm is on its way. Know where your irreplaceable items are, and be able to pack them quickly. Family photos, documents, jewelry, and prescription medication should be on your short list of key items to take with you in case of emergency.
Tip 3: Don’t throw out damaged items
Take time to carefully examine your home and possessions for damage. If your home, car, or belongings have sustained insurable damage, be sure to file a claim. Keep damaged items available until the insurer’s adjuster can see them. Don’t keep wet items at home; store them somewhere safe until they can be viewed.
Tip 4: Consider hiring a public adjuster for your insurance claim
It’s important to keep in mind that the adjuster sent by your insurer is paid by the insurer. Consider hiring your own representation, a public insurance adjuster. You wouldn’t ask the IRS to prepare your taxes. Why let your insurer decide how much they are going to pay for your loss?
Tip 5: Read insurance company reviews before updating your insurance policy
The insurance-buying and file-claiming processes don’t have to be painful. Thousands of consumers have already done the legwork, telling you what you need to know before you invest in insurance, and how to get the most out of it. Clearsurance offers thousands of reviews and industry-leading financial rankings. Check out what others are saying about your insurance company.
The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.