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Disaster Decision - Do You Need Insurance?
The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their...
Health Insurance: How to Apply
If you're wondering how to apply for health insurance, be aware that application is the second step of the process -- after you've researched different policies and compared prices and benefits. Whether you apply online or off will depend on your...
Moneynet champions consumer awareness with new insurance guide
Moneynet, the UK based price comparison and product research site, has just launched its ninth product guide in its series of consumer information publications. The new insurance guide joins the collection of other product manuals on moneynet (...
Poor call centre performances driving motorists to go online for insurance
At a time when the entire world’s attention is focused on the problems of world debt, with the Live 8 concerts, the G8 summit in Scotland, the Make Poverty History Campaign (MPH) and the various anti-poverty marches, it seems that everyone wants...
What is Home Insurance?
Home Insurance is designed to provide you with financial protection against any damage and possible risks that your property and possessions within it may face against unforeseen events and circumstances. Home insurance is commonly taken to...
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Filing An Insurance Claim
Everything seemed pretty simple when you purchased that insurance policy. If you have a loss, just tell the insurance company about it and you will get paid - Right? Well.... it may not be quite that easy. There are some basic steps you should follow to make sure your insurance claim is paid quickly and fully.
Prepare - in advance. The single most important thing that will make your life easier in the event of a loss is to be well prepared in advance. Do you have offsite copies of your computer files? What about paper files? If this is some kind of property loss, you will need to document the value. If you have to try to reconstruct records that were destroyed, it will delay your insurance payment and make it much harder for you to prove the value of your loss.
Estimate your loss. While it may not be possible to know the full extent of the loss, develop an estimate. If it is close to or below your deductible, you are probably better off not filing the insurance claim. Your rates will be based in part on your claims history so there is no advantage to you in filing a claim you will end up paying for out of your own pocket. Be careful, however, as most insurance policies require you to report a loss within a certain timeframe, usually 2 - 4
weeks.
Call your agent. Many insurance companies ask that you report your claim directly to the claims department. This is more efficient for them but not necessarily better for you. Your insurance agent may represent the company but his income depends on keeping his customers happy. Independent agents, in particular, are small business owners and owe their primary loyalty to their business. If you're a small business owner, your insurance agent understands that his business depends on keeping his customers happy.
Keep in touch with the adjuster. Ultimately the insurance company will assign an adjuster to work with you to estimate and pay the loss. Work closely with the adjuster and respond quickly and completely to his requests for information. The easier you make his job, the quicker you will get paid.
Consider an independent adjuster. If your loss is large and complex, it may pay you to hire an independent adjuster to work on your behalf. If you do decide to take this step, make sure you hire an adjuster who has experience with your type of business loss.
About the Author
Lana Hampton makes it easy to find the insurance right for your needs. Visit http://www.yowsinsurance.com today for the latest insurance news and information.
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