I have an insurance claim, what now?

July 29, 2009

Chad M. Olson

8330 N. Teutonia Ave # 203

Brown Deer, WI 53223

414-434-0300

 

 

You have a claim: Here’s how your insurance company will help

 

July 28, 2009 — High winds cause a large tree to fall through the roof of your home. Since you’ve never had an insurance claim before, two questions immediately come to mind: “What can I expect from my insurance company and what can I do to help with the process?”

 

First, report your claim. You can do this by calling your agent or the insurance company’s claim call center, if it has one. You’ll be asked to provide your policy number, brief description of what happened and phone numbers where you can be reached.

 

If your home has sustained serious damage, take prompt and reasonable steps to prevent additional damage. Use plywood, tarps or other materials to cover broken windows and damaged rooftops. Keep copies of the receipts for your adjuster.

 

An adjuster will contact you to arrange a visit to your property. Once there, the adjuster will inspect your home and begin to develop repair estimates. If you have time, compile a list of any damaged furnishings or personal items before the adjuster arrives. Include the make, model, age and serial number of each item.

 

Once the investigation is completed, the adjuster will contact you to review your claim and settlement amount. You will then receive your claim payment minus your policy deductible.

 

Remember, the insurance company will pay for materials that are of like kind and quality to the materials that were damaged. If you want to upgrade materials or make an improvement, you will be responsible for the additional cost.

 

It is your responsibility to select a contractor and arrange for repairs. It is usually best to select a local contractor who has operated in the area for several years, has adequate insurance and is willing to give you a written guarantee.

 

If you have problems getting the repairs done for the claim payment, call your adjuster prior to hiring a contractor so you can discuss a resolution.

 

This site uses Facebook comments to make it easier for you to contribute. If you see a comment you would like to flag for spam or abuse, click the "x" in the upper right of it. By posting, you agree to our Terms of Use.

Suburban News Roundup

E-mail Newsletter

Your link to the biggest stories in the suburbs delivered Thursday mornings.


Enter your e-mail address above and click "Sign Up Now!" to begin receiving your e-mail newsletter
Get the Newsletter!

Login or Register to manage all your newsletter preferences.

Community Watch

» Franklin boys overpower Southeast swimming field 01:24 PM

» Franklin girls basketball team shakes off doldrums, wins two games 01:04 PM

» Franklin, Oak Creek student-athletes set their futures 12:59 PM

» SEC champion Oak Creek wrestlers look to bigger things 12:11 PM

» Former MLB player John Mallee to coach at Prospect Training Academy Updated:  12:00 PM

» Oak Creek Chick-fil-A announces March grand opening, 'First 100' promotion 10:55 AM

» Updated rankings of area prep boys and girls basketball teams and players 2/8

» Hales Corners vies for fruity trees through Victory Garden Initiative Updated:  2/8

» Black Bear Bottling named 2015 Business of the Year by South Suburban Chamber of Commerce Updated:  2/8

» Greendale High School holds first induction ceremony to new Athletic Hall of Fame 2/5

» Oak Creek denies police chief's request for 7.5 % raise 2/4

» DCS Cupcakes, now on hiatus, advocates for statewide 'Cookie Bill' Updated:  2/4

» Oak Creek girls basketball team gets defensive in win over Franklin 2/2

» Oak Creek wrestlers claim third SEC dual-meet title 2/2

» Franklin boys basketball team adapts, earns big win over Creek 2/2

» Tickets now on sale for annual 'Taste of Oak Creek-Franklin' fundraiser 2/2

» Oak Creek's former city hall, library now demolished 2/1

» Positive and uplifting stories in suburban Milwaukee and Lake Country in January 2/1

» Oak Creek girls basketball team outlasts Franklin, 47-39 1/29

» Festival Foods looks to build at old Kmart location along Highway 100 Updated:  1/29

» Greendale School District announces names of candidates for superintendent position 1/29

» Greendale's annual 'I Left My Heart on Broad Street' to be held Feb. 13 1/29

» Southridge Mall to grant scholarships for nearby high school seniors, now accepting applications 1/28

» Oak Creek participates in national Water and Health Study 1/27

» Southridge Mall's Starbucks closed for renovation, McDonald's closed for good 1/27

View All Posts Got a tip? Welcome rss

Advertisement

Local Business Directory

Advertisement

CONNECT    

Advertisement