The Pitfalls To Avoid When Filing Insurance Claims
The only way that you can have the assurance that the insurance claim that you are lodging will be admitted by the insurer, you must ensure that you have fulfilled specific conditions. There are several mistakes that a lot of claimants commit which may lead to their claims being declined. There are certain mistakes listed in this article that you need to avoid so that you reduce the likelihood of your claim being declined.
A common pitfall that you need to watch out for when you are lodging your insurance claim is notifying your insurer late. The reason that you need to consider this as essential is informed by the fact that the evidence around the claim is still fresh meaning that adjusting it will be easier. The timely reporting is a mandatory requirement in your contract and you can also do it to your insurance agent or broker.
You risk getting your insurance refused if you have poor documentation in respect of the claim that you are lodging. All the correspondence that you have had with your insurer must be stored in a place that you can easily access them. Towards this end, you must see to it that the scene of the claim is documented with a camera as well keeping the copies of the communication that you have sent to the insurance provider.
It is highly advisable to cooperate with your insurer as a way of ensuring that there will be no delay or refusal to process your claim. There are conditions spelt out in your policy documents which you must fulfill in the event of a claim and you must make sure that you are fully aware of them before the need arises. This cooperation as well extends to the issue of liability policies in case of the defense that is in place.
Another major mistake that you must avoid when making the insurance claim is failing to retain the property that is at the center of the process. This is essential as it allows the loss adjusters and investigator to work on the evidence efficiently. Additionally, this implies that you see to it that the property dose not get damaged further as a result of retaining it.
It is highly advisable to ensure that you have gone through your insurance policy document as an essential step of lodging your claim. If the wording seems too intricate for you to comprehend your agent or broker can be of great assistance.