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Need to File a Claim? Here’s Your 4-Step Quick Start Guide!

Need to File a Claim? Here’s Your 4-Step Quick Start Guide!

Of course, it’s no fun to experience a loss that requires you to file a claim. But, when it happens, it’s good to know there’s a hassle-free process in place that allows you to recover from the loss as quickly as possible.
This 4-step quick start guide will let you know what to expect from start to finish when you file a claim.Step 1: Call Your Broker
One of the many benefits of working with an insurance broker is the personalized attention they offer when you need to file a claim. Your broker will guide you through the entire filing process so he or she should be the first call you make after an incident.

Step 2: Keep Your Phone Nearby
After you file a claim, a claims adjuster will contact you to briefly discuss your claim, explain your coverage, and go over the next steps. This initial phone call is an important step in getting your claim processed quickly, so keep your phone handy.

Step 3: Assist With the Claims Review
After speaking to you, your claims adjuster will investigate your claim. They may have additional questions about the information you provided in your claim so keep your notes and any relevant images regarding the incident somewhere you can easily access them. Storing this information on your smartphone is a great way to ensure you have all the details when you need them.

Step 4: Review Your Settlement Offer
After investigating your claim, the adjuster will let you know his or her determination including how much they will pay for your loss. If you are not pleased with the settlement offer, keep in mind that you have options for disputing the determination. Your insurance broker can walk you through those options which include talking to the supervisor of your adjuster, mediation, and in some cases, hiring an attorney.

Remember, if you hit a snag during any of these steps, we are here to help. We’ve assisted numerous clients as they navigate the claims filing process, and we are happy to do the same for you.


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