Never store your insurance claims evidence where you deposit the insured items.
Getting paid nowadays for your insurance speak depends upon commendable note, the presentation of all-inclusive claims evidence and a strategic accession to working with the insurance company as activity finished the channels. This funds planning for the asseverate when you attain the insurance, not when you suffer the loss.
1. Collect and safely store photos, receipts, appraisals and any other documents you can cater to prove the price of the insured items and that you maintain them. Provided you pay for homeowner's insurance, For example, you should assemble a video of the paragraph of your abode. Folder determining, costly or scarce items with sales slips, appraisals or anything else that shows you really hold this target and that it costs what you Testament following affirm. Compose back-up copies of your claims evidence and store the backup record someplace other than your homey or wherever you control your insured items. Make notes of every phone call and copies of everything you fax or mail to your claims agent. Be sure you understand your agent's claim process and what he will need from you to support your claim.4.
Move her name, fax and e-mail information. If you don't connect immediately with your claims agent--this often happens--don't just leave your name on her voice mail and wait for a call. Keep calling until you connect.
3. The documents can disappear in a robbery or burn up in a devouring.2. Call your insurance collection these days when you suffer a loss. Connect with the claims agent who Testament operate your context.
Talk to the claims agent regularly. A typical claims agent will handle hundreds of claims simultaneously. Inevitably she will handle some claims better than others. If you establish early on that you will persist with frequent follow-ups your chances of prompt claims settlement will increase dramatically.
5. Send your agent an e-mail with receipt acknowledgment after every telephone conversation, confirming the substance of the conversation in your e-mail. If the agent promised you something since conversation clearly state in your e-mail what the agent promised, Unless the agent responds with a written disclaimer--saying, effectively, "I didn't promise you this"--your e-mail documenting the promise becomes "prima facie" evidence of the promise. "Prima facie," Latin for "on first appearance," and meaning "on the face of it," means evidence sufficiently robust for the court to consider unless the insurance company can submit contradictory evidence. No doubt your case will settle without a suit--almost all insurance claims do--but when your agent receives your confirming e-mails she will know that you intend to pursue your claim vigorously and, even more important, that you have an effective process for pursuing it.