In the insurance world there are many different types of insurances and with those different types of insurances come different types of claims. A claim that is filed with any insurance company is only a valid claim when the policyholder files for coverage or compensation for a loss that is covered in the policy of a life event. No matter what type of insurance policy that you have there is a process that occurs for the insurance company to approve the claim.
There are insurance policies that cover life events to policies that cover comprehensive and routine items. Typically coverage is through a third party service and the claims are filed by the insured person or anyone that has been listed on the policy as an entitled person. There is a process that has to occur to get a policy to be paid to the policyholder or entitled person. Understanding the process that occurs when you have damage caused by fire or flood in your home is important. When filing a claim there are many steps in the process and understanding the steps to ensure that process goes as smoothly as possible for you during this difficult time is very valuable.
When you have water damage in your home the first step is to file with your insurance company. The first step is having the policyholder contact the insurance company. Typically they will direct you to the water damage insurance claims department to work with an insurance adjuster. The insurance adjuster is the person that works to get the claim validated. Once the claim has been validated they can work to get the damage approved for coverage. If you have water damage to your furniture from the flooding you want to make sure that you ask about the coverage for damaged furniture on your policy. Asking the insurance adjuster about what your flood event coverage is, is very important. You want to make sure that you know exactly what is covered. Asking questions like “Does my insurance cover this disaster?” or “Does it cover my kitchen flooding?” is also important. You want the answers to be clear so when getting the damages approved you know what is and is not covered.
These same steps need to be taken when filing fire damage insurance claims as well. When you have smoke and fire damage in your home it is once again important to know what your insurance covers. Smoke damage to your furniture often happens when you have fire and smoke in your home when you file a furniture damage insurance claim you always want to make sure you ask if the policy covers the cost to rebuild or repair the furniture. There is a huge difference between the two. Rebuild or repairing versus replacing the furniture is defined differently. You want to make sure if there is furniture damage that you ask the insurance adjuster about this type of coverage depending on the policy it can be very different. Asking questions and understanding your policy and coverage is so important in making sure that when you have to file a claim that you have the best chance of getting the claim approved and that the insurance that you are paying for covers the things that you need and are expecting it to cover.
Once you understand what your policy covers then you want to know the process that the adjuster takes to get the damages approved. Typically when there is water, soma, or fire damage to home the first step will be a call over the phone with the insurance adjuster. The insurance claim adjuster will talk over the phone to understand the issue and it is your responsibility to report all the damage that you know has been done. These types of claims require the items have to be defined for the process can be started. After the call has been completed the next step is a visit to assess the damage.
When the insurance adjuster comes to the property they will work to inspect the damage. They will assess all the damage that has been caused by the fire, smoke, or water. After the damages have been assessed they then return to the office and work to get the claim approved. The approval process verifies the damage works to get the compensation or reimbursement to the policyholder.
Understanding the process and working with the insurance adjuster to understand the policy and what is covered in the best policy. Always make sure you ask all the questions you want to be answered and make sure you are well informed. if you need help related to your furniture damage recovery please reach out to us.
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