Get Ready Month - Day #17: Filing a Claim
Posted on | May 23, 2007 |
After a loss, theft, fire or disaster, chances are you’ll probably need to file a claim with your insurance company. The thought of the claim process might seem overwhelming but dealing with insurance companies doesn’t have to feel like a game of tug o’ war.
Here are helpful tips from insurance agents, firefighters, police officers and disaster survivors to help you through the claim process.
1. Start two folders or notebooks.
- One is to track phone calls, notes and everything relating to the storm, fire or other disaster.
- The other is an expense book to track all expenses. No expense is too small.
- For both, remember to include dates and times for all entries.
2. You do not have to file a claim or take a claim check right away.
- Consider other options such as hiring an independent adjuster who can act as an intermediary between you and the insurance company. Remember, it’s up to you to decide when or when not to file your insurance claim.
- Read our article Working with a Claims and/or Public Adjuster.
3. Read your insurance policy if you have it.
- If not, ask your insurance agent to send or bring a copy for you.
- Check your policy for specifics and document every action you take.
4. More tips…
Want more? Read what Hurricane Katrina survivors had to say about dealing with insurance companies…
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