Haste makes waste and nowhere is that more true than when a person decides to file a home insurance claim. Filing a claim before taking certain steps can result in a delay or an outright denial, and the best way to avoid it is to be careful when filing. Below are some steps for homeowners to take to expedite an insurance claim.
Be Prompt
Policyholders should review the policy’s declarations page to determine homeowners insurance in Wichita KS, and they should quickly report the claim to their agent or to the company itself. As the client works with the adjuster throughout the claim they should be quick to respond to inquiries.
Get Organized
It’s important to have all paperwork in an easily accessible place before the homeowner can contact us. Set aside a section for contents loss, dwelling loss and other expenses, and put receipts in the relevant sections. A claim diary can allow the homeowner to keep notes of conversations with the insurance adjuster, and all verbal agreements should be confirmed by email or in writing.
Hire a Contractor
As with most claims, the key to success is choosing a reliable contractor to start the rebuilding process. The sooner the estimated phase can begin, the sooner the adjuster will offer a settlement amount. Hiring a contractor can help clients avoid disagreements on the scope of the loss when the adjuster inspects the property.
Learn Claim Terms
Most of the today’s home insurance policies are for replacement cost, but to collect the full amount means that the items must be replaced and receipts must be submitted to the insurer. The policy usually states that the insurer only owes actual value upfront, with replacement value to be provided when items are replaced or repaired.
Get Help From a Professional
If the insurance adjuster is not responding to a customer’s inquiries, the client should hire outside help to negotiate with the insurer. A public adjuster can help clients avoid additional turmoil during the claims process, and they can help the homeowner get the settlement to which they are entitled.
While it’s the insurer’s responsibility to restore damaged property, it’s the homeowner’s job to document the loss. Filing a claim on homeowners insurance in Wichita KS can be complicated, but a local insurance company can provide specialized advice and help.
