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Insurance for North Carolina State Firefighter Association

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It’s always good to be prepared to talk to your insurance company in case you ever need to file a claim for property damage or injuries. In this blog, we explain a few things that you can do to prepare yourself for dealing with your insurance adjustor.

  • Check Your Policy: It is important to review and make sure that you understand the details contained in your insurance policy. Look for the exact benefits and coverage that your policy provides and find the directions that explain what steps you need to take to start your claim.
  • Keep Detailed Records: To limit mistakes, you shouldn’t rely entirely on your insurer for establishing proof for your claim. Be sure to keep all of the important documents and paperwork that you receive from your insurer. Keep things like proof of payments and correspondences that explain your policy. Gather all documents related to your claim before you go to file it. You should also make and keep copies of the things you send your insurance company.
  • Hire a Contractor: If your claim is in regards to property damage, you should hire a restoration contractor to inspect your property. A contractor can give you a detailed list of the damage, as well as an estimate for the costs of repair.
  • Get an Independent Adjuster: Using an independent insurance adjuster will help you and your insurance company work towards your best interest. The adjustor can work with the contractor to negotiate a better claim for you. Contractors and insurance adjusters are two separate occupations that are not interchangeable. Be cautious of a contractor who offers to negotiate your claim alone.

If you want to get the maximum return on your insurance claim, it is important to get in touch with the right professionals who can help ensure that your interests are protected. Insurance companies don’t just handout checks, so remember to consider the following things before you call your insurance company to start a claim:

  • Become familiar with your policy and the rights you have as a customer
  • Some policies have time limits for when you can file
  • Hire qualified help to assist with your claim

Do you have more questions about your insurance policies? We can help. At Insurance Specialists, Inc., we are dedicated to providing our customers with the highest quality in insurance products for their health, wellbeing, and financial stability.

Contact our Atlanta team to speak with a professional insurance administrator today.