Insurance claims are a necessary evil. They can be frustrating and time-consuming, but they don’t have to be! In this blog post, we’re going to cover the basics of what you need to know about filing an insurance claim and how it will affect your premiums in the future.
1) Check your policy
Make sure you know what’s covered and what isn’t! Some policies only cover specific areas, such as water damage or theft. If it turns out that you’re not covered for the damages, filing an insurance claim will be a waste of time because there won’t be any money awarded to fix them. So do some research and make sure you understand the limitations and exclusions.
2) Take Pictures
Pictures are worth a thousand words and insurance companies know it. If you want to get reimbursed for your damages, then you need proof. Take photos of everything before the damage occurs so that if anything is damaged or stolen, you can take more photos afterward showing how bad it was.
3) Get Quotes
Make sure that you get quotes from several different companies. You never know who will be cheaper until you send out a few emails or make some phone calls. Suppose the insurance company decides not to cover your damages. In that case, they will pay for an appraisal and, in turn, give them what’s called a ‘repair estimate.’
4) Be Prompt
There’s nothing worse than trying to get something done and then having someone delay you. Get your claim in as soon as possible after the damage occurs because this will give them enough time (usually three business days) to investigate it before they conclude how much money is coming back to you.
5) Hire A Personal Injury Lawyer
Lastly, if an insurance company denies your claim, you may want to hire a personal injury lawyer. Insurance companies can be complicated, and sometimes they don’t give out nearly enough money for the damages. A good lawyer will make sure you get what’s fair, and it won’t cost more than what you’ll receive in the end!