MAKING THE CLAIMS PROCESS EASIER
What Consumers Should Know When Faced with A Loss
Important, but sometimes difficult, filing a claim can be one of the most
frustrating processes during a crisis or following a major disaster. Delays in
the claims process was the No. 1 complaint of insurance consumers in 2007,
according to the National Association of Insurance Commissioners (NAIC). It is
critical that at these times, you are prepared with the information your
insurance company needs. To help you avoid problems getting your claims paid,
the NAIC offers these tips:
Know Your Policy
Understand what your policy says. The policy is a contract between you and your
insurance company. Know whatís covered, whatís excluded and what the deductibles
File Claims as Soon as Possible
Donít let the bills or receipts pile up. Call your agent or your companyís
claims hotline as soon as possible. Your policy might require that you make the
notification within a certain time frame.
Provide Complete, Correct Information
Be certain to give your insurance company all the information they need.
Incorrect or incomplete information will only cause a delay in processing your
Keep Copies of all Correspondence
Whenever you communicate with your insurance company, be sure to keep copies and
records of all correspondence. Write down information about your telephone and
in-person contacts, including the date, name and title of the person you spoke
with and what was said. Also, keep a record of your time and expenses.
If there is a disagreement about the claim settlement, ask the company for the
specific language in the policy that is in the question. Find out if the
disagreement is because you and the insurance company interpret your policy
differently. If this disagreement results in a claim denial, make sure you
obtain a written letter explaining the reason for the denial and the specific
policy language under which the claim is being denied.
Donít Rush into a Settlement
If the first offer made by an insurance company does not meet your expectations,
be prepared to negotiate to get a fair settlement. If you have any questions
regarding the fairness of your settlement, seek professional advice.
Auto and Homeowners Claims
Auto and homeowners policies might require you to make temporary repairs to
protect your property from further damage. Your policy should cover the cost of
these temporary repairs, so keep all receipts. Also, maintain any damaged
personal property for the adjuster to inspect. If possible, take photographs or
video of the damage before making temporary repairs.
Other Tips for Filing Auto or Homeowners Claims:
Donít make permanent repairs. An insurance company may deny a claim if you make
permanent repairs before the damage is inspected.
If possible, determine what it will cost to repair your property before you meet
with the claims adjuster.
Provide the claims adjuster with records of any improvements you made to your
sk the claims adjuster for an itemized explanation of the claim settlement
Accident and Health Claims
Ask your physician to provide your insurance company with details about your
treatment, medical conditions and prognosis.
If you suspect a provider is overcharging, ask the insurance company to audit
the bill and verify whether the provider used the proper billing procedure.
Contact the Florida Department of Financial Services
If you have a dispute with your insurer about the amount or terms of the claim
settlement, you should contact the Florida Department of Financial Services for
assistance. Go to www.MyFloridaCFO.com
or call 1-877-My-FL-CFO toll-free in Florida.
For more information about auto, home and health insurance options, and tips for
choosing the coverage that is right for you and your family, go to