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Learning Center
What to expect after a loss and how to navigate the claims process from start to finish.
Filing a claim for the first time can feel overwhelming especially when you're already dealing with the stress of a loss. Knowing what happens at each step, and what you can do to stay organized, helps you get the best possible outcome without unnecessary delays.
Contact your carrier and your agent as soon as possible after a loss. Most policies require 'prompt notice,' and delays can complicate coverage or give the carrier grounds to dispute a claim. For auto accidents, report from the scene if it is safe to do so. For home losses, document the damage immediately but also take reasonable emergency steps tarping a damaged roof or boarding a broken window is usually covered under a 'protective safeguards' provision. Get a claim number and the adjuster's direct contact information in writing before ending the first call.
Before clearing debris, discarding damaged items, or making permanent repairs, photograph and video every damaged area and item. Walk through the full scope of damage systematically. Save all receipts for purchases made as a result of the loss temporary housing, emergency supplies, or replacement items you need immediately. Create an itemized list of damaged personal property with approximate replacement values. Do not throw away damaged property before the adjuster has seen it. Carriers can and do ask to inspect items before authorizing replacement.
Your carrier will assign an adjuster to inspect the damage and estimate repair or replacement cost. The adjuster works for the insurance company, not for you which means it is worth being organized and present during the inspection. Walk the adjuster through every area of damage and ask questions about anything not included in the initial estimate. If you believe the estimate is too low, a second estimate from a licensed contractor provides documentation to support a supplement. Adjusters can and do revise estimates when presented with additional evidence.
Once the adjuster's report is filed, the carrier will issue a settlement offer. Review it carefully against your policy limits, deductibles, and the actual cost to repair or replace. Pay attention to whether the settlement is based on actual cash value (depreciated) or replacement cost if your policy has replacement cost coverage, you may be entitled to a second payment after repairs are completed. If the offer is lower than expected, you can negotiate by providing contractor estimates and itemized documentation.
We stay involved through the claims process helping you understand your policy language, reviewing settlement offers, and calling the carrier directly when you need answers or are experiencing delays. Claims questions are one of the main reasons clients stay with us long-term. If you are in the middle of a claim and unsure of your next step, call us.