No
one wants to be in a position that necessitates an insurance claim. Not
only is it frustrating to deal with the loss of your property after an
insurable incident, but filing an insurance claim can also be a daunting
task if you aren't prepared. By following these four tips you can make
your insurance claims process much easier.
1. Take pictures. By having before
pictures of the assets you have covered by insurance you clearly
communicate the condition of the items you owned which allows the
insurance company an easier time interpreting their value. But it's also
important to have pictures taken of the damage as well. By showing the
amount of damage done you can help the claims adjuster determine if you
suffered a total loss and in some circumstances, such as after an auto
accident, your pictures can illustrate fault.
2. Know what you lost. It's
important to have a pre-incident inventory of your home, RV, office and
vehicle so that, in the event you suffer an insurable incident and must
make a claim, you know exactly what you lost. Without an inventory you
may find that you forget to list certain items and your claim is
insufficient to replace them.
3. Call early. In the event that
the insurable incident had a widespread effect on homes in your area
make sure that you call your Houston home insurance
company as soon as possible. Claims processing may be sorted based on
severity, but within your level of severity it will likely be first
come, first serve. Even after an individual incident such as a house
fire, calling early is important to ensure timely payment.
4. Have your documents together.
Keep your insurance policy, property receipts, pictures, inventory, and
all other relevant documents together. Make sure that the insurance
company’s phone number and your insurance agent’s phone number are with
your other documents.
Having an experienced
insurance agency at your service is one of the most useful tools to have
both before and after your claim is paid. We can help you design an
insurance portfolio that fully protects your assets and your family and
we can help you fine-tune your claims process. Give us a call at 713-227-7283 and schedule your appointment today.
