Filing An Insurance Claim

Everything seemed pretty simple when you purchased that insurance policy. If you have a loss, just tell the insurance company about it and you will get paid - Right? Well.... it may not be quite that easy. There are some basic steps you should follow to make sure your insurance claim is paid quickly and fully.

Prepare - in advance. The single most important thing that will make your life easier in the event of a loss is to be well prepared in advance. Do you have offsite copies of your computer files? What about paper files? If this is some kind of property loss, you will need to document the value. If you have to try to reconstruct records that were destroyed, it will delay your insurance payment and make it much harder for you to prove the value of your loss.

Estimate your loss. While it may not be possible to know the full extent of the loss, develop an estimate. If it is close to or below your deductible, you are probably better off not filing the insurance claim. Your rates will be based in part on your claims history so there is no advantage to you in filing a claim you will end up paying for out of your own pocket. Be careful, however, as most insurance policies require you to report a loss within a certain timeframe, usually 2 - 4 weeks.

Call your agent. Many insurance companies ask that you report your claim directly to the claims department. This is more efficient for them but not necessarily better for you. Your insurance agent may represent the company but his income depends on keeping his customers happy. Independent agents, in particular, are small business owners and owe their primary loyalty to their business. If you're a small business owner, your insurance agent understands that his business depends on keeping his customers happy.

Keep in touch with the adjuster. Ultimately the insurance company will assign an adjuster to work with you to estimate and pay the loss. Work closely with the adjuster and respond quickly and completely to his requests for information. The easier you make his job, the quicker you will get paid.

Consider an independent adjuster. If your loss is large and complex, it may pay you to hire an independent adjuster to work on your behalf. If you do decide to take this step, make sure you hire an adjuster who has experience with your type of business loss.

Lana Hampton makes it easy to find the insurance that's right for your needs. Visit her Insurance website today for the latest news and information.

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Google News Updated : Wed, 08 Oct 2008 08:50:27 GMT Obama connected with audience - Baltimore Sun Boston Globe Obama connected with audience Baltimore Sun - 1 hour ago By David Zurawik z on tv david.zurawik@baltsun.com The format of the second presidential debate was described as that of a town hall meeting, but it was pure TV from the "citizens" seated on risers on a brightly lit stage, to the candidates moving ... Candidates arguments are as familiar as their mistakes The Miami Herald Cool Hand Barack Wall Street Journal The Weekly Standard - Los Angeles Times - Dallas Morning News - Boston Globe all 464 news articles Publ.Date : Wed, 08 Oct 2008 07:28:41 GMT British government unveils massive financial rescue plan - Los Angeles Times ITV.com British government unveils massive financial rescue plan Los Angeles Times - 48 minutes ago LONDON - The British government Wednesday unveiled a massive rescue plan for its ailing banking system after days of unrelenting bad news for the financial industry here. British government to partially nationalize banks International Herald Tribune Rescue plan for UK banks unveiled BBC News guardian.co.uk - Washington Post - BusinessWeek - AFP all 1,454 news articles Publ.Date : Wed, 08 Oct 2008 08:01:33 GMT In Florida, Palin keeps up attacks on Obama - Dallas Morning News BBC News In Florida, Palin keeps up attacks on Obama Dallas Morning News - 1 hour ago JACKSONVILLE, Fla. - Sarah Palin portrayed Barack Obama as a dishonest politician and a risky choice for president Tuesday as she wrapped up a two-day campaign swing through Florida. Sarah Palin, Freed? Washington Post McCain, Obama and a 'friendly' town hall Los Angeles Times Reuters - San Francisco Chronicle - Boston Globe - USA Today all 4,475 news articles Publ.Date : Wed, 08 Oct 2008 07:39:26 GMT Absentee balloting began Tuesday - Las Cruces Sun-News San Diego Union Tribune Absentee balloting began Tuesday Las Cruces Sun-News - 33 minutes ago By SUE MAJOR HOLMES AP Writer ALBUQUERQUE, NM—It was only mid-morning on the first day of absentee voting, but 200 people had already shown up to cast their ballots at the clerk's office in Bernalillo County, New Mexico's most populous. Muncie takes advantage of early voting Ball State Daily News Voter numbers growing as deadline nears Corvallis Gazette Times Gloucester County Times - NJ.com - Salisbury Post - Aspen Times - Daily Vidette all 619 news articles Publ.Date : Wed, 08 Oct 2008 08:16:38 GMT Nepal Plane Crashes, Killing Mostly German Tourists (Update1) - Bloomberg Spiegel Online Nepal Plane Crashes, Killing Mostly German Tourists (Update1) Bloomberg - 27 minutes ago By Jay Shankar Oct. 8 (Bloomberg) -- A passenger plane belonging to Yeti Airlines, a private carrier, crashed near Mount Everest in Nepal killing 18 people, including 12 German tourists, an aviation official said. Everest plane crash kills 18 in Nepal, mostly German AFP Official: Plane crash in Nepal kills 18 USA Today The Associated Press - The Sun Daily - Spiegel Online - Swissinfo all 284 news articles Publ.Date : Wed, 08 Oct 2008 08:23:22 GMT Harford County Council tries for leaner budget - Baltimore Sun Pittsburgh Post Gazette Harford County Council tries for leaner budget Baltimore Sun - 1 hour ago By Mary Gail Hare Harford County Executive David R. Craig met with the County Council last night and painted a bleak revenue outlook that will dominate the remainder of the fiscal year and continue well into the next. Sims wants pay freeze to balance King County budget Seattle Times Sims announces layoffs, wage freezes for county employees Seattle Post Intelligencer Pittsburgh Post Gazette - KOMO News - Pittsburgh Tribune-Review - Bizjournals.com all 10 news articles Publ.Date : Wed, 08 Oct 2008 07:27:45 GMT Australian jet plunge probe opens - BBC News TVNZ Australian jet plunge probe opens BBC News - 1 hour ago A computer glitch may have caused a Qantas jet to plunge suddenly mid-flight, an Australian air safety investigator has said. The incident injured 40 passengers, in a terrifying airborne drama. Qantas plane had glitch before altitude plunge International Herald Tribune Computer glitch may have caused Qantas plunge: investigator AFP Bloomberg - Reuters - Aljazeera.net - ABC Online all 734 news articles Publ.Date : Wed, 08 Oct 2008 07:39:47 GMT Merchant Datafeeds Amazon Associate Store

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