Steps to Make Filing an Insurance Claim Stress-Free
Filing an insurance claim can be stressful, but it doesn’t have to be! It’s tough to think clearly in the wake of home damage or an auto accident, so we’ve put together these steps to help you get through the process as smoothly as possible.
- Know what you need.
Before you file a claim, you’ll want to gather as much information as possible surrounding the incident. Make sure you have photos of the damage and a clear account of what happened — it’s helpful to write this down immediately afterward so you don’t forget the details as time goes on.
If you’re filing an auto claim, you’ll want to have the police report and insurance information of anyone else involved, as well. If it’s a homeowners claim, you’ll want as much documentation as possible, including photos from before the incident to show the extent of damages.
It’s a good idea to regularly review your insurance policies to make sure you understand what is and isn’t covered. This way you can be confident in the wake of an accident. If you ever have questions, be sure to call your insurance company to go through them. - Call your insurance provider right away.
When something goes wrong, be sure to call your insurance company as soon as possible. Once the immediate problems like police reports and necessary medical care have been resolved, don’t delay to get on the phone.
If possible, it’s a good idea to call the individual you worked with to purchase your policy directly. This can speed up the process and help you feel more comfortable working with someone you know. If you’re not sure who that person is, call the specific office you worked with.
Even if you aren’t entirely sure you want to file a claim, you should get in touch with your provider to discuss your options. If the damage costs less than your deductible it might not be worth putting a claim on your record, but it’s always important to understand what avenues are available to you — and no harm comes from simply having a conversation. Your rates won’t increase from asking questions. - Review your claim and communicate clearly.
When you get everything back, go over the documents carefully. Make sure you have a copy of the adjuster’s report and pay attention to any incomplete measurements or missing items.
Stay in touch with your insurance company throughout the entire process, and be clear in your communication. If you’re frustrated at any point, express that to your agent and discuss how to remedy it. By being proactive and honest, you can streamline the process and avoid added stress.
No one is happy when they realize they need to file an insurance claim, but when done correctly the process can be simple — and it can save you from unexpected costs.
At Lindow Insurance, we find the perfect policies for you so you’re confident in exactly what’s covered. Don’t hesitate to reach out to your local Lindow Insurance agent — we’re here to answer any questions you have!
Sources:
US News
Rocket Lawyer
The Balance
