Essential Insurance Claim Tips

Navigating an insurance claim can be overwhelming, especially after experiencing a loss. At Ferikes Bleynat & Cannon, we want to help you through the process and ensure that your rights are protected. Here are 10 essential tips to guide you through the insurance claims process and help avoid common pitfalls.

1. Report Your Loss Immediately

Your insurance claim won’t begin until you officially report the loss. Contact your agent or the insurance company’s claims number as soon as possible. Ask for the name, phone number, email address, and claim number of the person processing your information. Request written confirmation of the claim (via fax or email) the same day to ensure the claim has been properly logged.

2. Protect Your Property

While waiting for your claim to be processed, take reasonable steps to protect your property from further damage. For example, if your property is exposed to the weather or vulnerable to theft, consider temporarily covering the damage or moving valuables to a safe location. This helps prevent additional damage, which the insurance company may not cover.

3. Prioritize Safety

Damaged buildings or property can be hazardous, so resist the urge to immediately inspect the area. Wait until a qualified professional has assessed the situation to ensure it is safe to enter. Additionally, leaving the scene undisturbed allows the insurance adjuster to accurately evaluate the damage.

4. Don’t Sign Anything Without Legal Review

Before signing any document related to your claim, consult an attorney. Some documents may contain releases or waivers that could limit your ability to recover compensation or pursue further claims. If you have any doubts, our experienced insurance claims attorneys at Ferikes Bleynat & Cannon can review the documents and protect your interests.

5. Document Your Claim

Gather as much evidence as possible. Take multiple photos of the damaged property, both up close and from a distance. For items that were destroyed, contact your credit card company to obtain records of purchases. Family or friends who have photos of your property can also serve as helpful witnesses. Additionally, obtain multiple repair estimates to compare against the insurance company’s assessment. Having your own estimates strengthens your position.

6. Submit a Proof of Loss Form

Most insurance policies, excluding auto policies, require a proof of loss form. This document details the full extent of your damage. Request the form from your insurance company and make sure it’s completed promptly. If you don’t receive the form in a timely manner, follow up with your agent. For assistance filling out this critical document, contact our team of insurance claims attorneys. Proper completion is essential for moving the claims process forward.

7. Keep Detailed Records

Maintain a log of all communications with insurance company representatives and any contractors providing repair estimates. Include contact information, dates, and summaries of discussions. It’s a good idea to keep all notes in one notebook for easy reference. Also, take notes on every conversation, including the names, phone numbers, job titles, and supervisors of the individuals you speak with. Setting deadlines for follow-up and confirming agreements in writing can help ensure your claim proceeds smoothly.

8. Review Your Policy Carefully

Every insurance policy is different. Be sure to review your policy thoroughly to understand the specifics, such as whether you’re entitled to full replacement value or only the actual cash value at the time of loss. Other sections will explain which property is covered, the types of damage that are included, and any exclusions. Policies are often filled with technical language, even in “plain language” versions. If you need help interpreting your policy, our attorneys are here to assist you.

9. Speak to an Attorney Before Giving Recorded or Sworn Statements

While you are required to cooperate with reasonable requests for information, you are not obligated to provide a recorded or sworn statement without first consulting an attorney. Insurance companies may request an “Examination Under Oath,” which could indicate they are preparing to deny your claim. It is strongly recommended that you consult with our attorneys at Ferikes Bleynat & Cannon before providing any sworn statements to ensure your rights are protected.

10. Ask Questions

You have the right to be fully informed about your claim. If you aren’t getting prompt responses from your insurance adjuster, contact your agent for assistance. When anyone visits your property to assess the damage, ask for identification, contact details, and an explanation of their purpose. This helps you stay on top of the process and ensures you know who is involved in handling your claim.

Contact Ferikes Bleynat & Cannon for Assistance

If you’re struggling with an insurance claim, the attorneys at Ferikes Bleynat & Cannon are here to help. We have extensive experience navigating the insurance claims process and can help protect your rights every step of the way. Contact us today to discuss your situation and learn how we can assist with your claim.