Accidents and natural disasters can strike without warning, causing costly damage to your home, vehicles and personal belongings. When this happens, you will have to file an insurance claim in order for your policy to kick in and recoup your losses.
In order to get the most out of the claims process, consider the following tips:
- Call your insurer as soon as an incident occurs. The quicker you get the process moving, the better. After you’ve contacted your insurer, you can ask an adjuster to come and inspect the damage.
- Document your losses before the adjuster comes. Make a thorough list of property that has been impacted by a disaster. Provide purchase receipts, or estimate how much the belongings cost and when you bought them.
- Take photographs of the accident scene, and don’t throw out damaged items before notifying your insurer.
Above all, it’s important to document the claims process, noting when you speak with your insurers and what the conversations entailed. This will help you track the amount of reimbursement you should receive and allow you to keep a record of insurance claims for future use.