First, we should note that we are not claims adjusters, we are insurance agents, so we can not tell you if you are covered or not, but we can tell you what coverage limits you have purchased. Whether you have home, car or business insurance, you should ask yourself two questions:
- Is the damage direct, sudden and unintentional?
- What is my deductible?
Your insurance usually covers your property and your liability for any specific accident and / or event that has occurred. You must be able to identify a specific date and place of the "event", such as a hurricane, lightning, falling trees or pipe shortage. In the case of liability, you must provide a specific action that caused the damage (collision with another vehicle or someone who falls and is injured).
Also think about how much the claim can cost to repair. If the damage is only several hundred dollars, your deductible may be higher than the repair amount, so you can get a claim that has 0 dollars paid out. While this may not sound like a big deal, if your prices go up and you have to buy your insurance again, a CLUE report (a claim) will identify a claim and you may need to prove that the problem has been resolved and all repairs have done.
The insurance is not a maintenance policy, so if you have an old roof that is starting to leak or an old water heater that is leaking, it is probably not covered. Your car insurance does not cover you if you had an engine fault because you did not add oil to your car. In the same way, your home insurance or your business insurance will not cover you if your old roof starts to leak or if your old water heater leaks.
Who should I call if I have a claim?
Our recommendation is to call us or the company directly. The insurance companies handle damages 24/7, but if it is during office hours, we are happy to help our customers through the process by claiming the calls.
If you have an emergency that needs prompt attention, you can really call a contractor to do temporary repairs right away. However, we do not recommend that you sign any work orders or repair contracts until you talk to the adjuster. If you talk to our agency or insurance company, we will more likely be able to point you in the right direction and possibly save money on your deductible. In fact, some companies use a specific contractor that they trust and can give you.
What should I do when an application has been submitted?
Your claims adjuster should guide you through the process from start to finish. If you feel that things are not moving in time, call your agent. We do not often handle claims reporters with insurance companies, but we know many others in the organizations, including management. If you are struggling to get things handled, we can sometimes contact a manager who will "light a fire" to get the claims handled faster.
Now that my claim has been processed, is there anything I should consider? [1
9659008] Absolutely! Now that your claim has been handled and the contractor's work has been completed, make sure to keep all receipts and invoices and make sure to take pictures (before and after would be best). You can forward this information to our office.
Most likely, the company will ask for proof that the money they sent for the claim was used for the repairs. For example, if the company pays for the roof to be replaced, they want to make sure that the money is used to replace the roof. It's obvious that the company does not want the client to patch that part of the damaged roof and spend the rest on a vacation in Hawaii. If part of the roof has failed, other parts of the roof will fail soon.