NOW:53207:USA00949
http://widgets.journalinteractive.com/cache/JIResponseCacher.ashx?duration=5&url=http%3A%2F%2Fdata.wp.myweather.net%2FeWxII%2F%3Fdata%3D*USA00949
88°
H 88° L 67°
Partly Cloudy | 18MPH

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 Council to hold public information meeting on Saturday 02:08 PM

» Greendale School Board to vote on new interim superintendent 01:18 PM

» Twitter recap: 50 Cent at Woodman's in Oak Creek 10:13 AM

» Now reporter to live tweet 50 Cent appearance in Oak Creek 7/29

» Oak Creek-Franklin petition for larger school board verified for public vote 7/29

» Trio tries to add key points with their new Franklin sports bar 7/28

» Greendale man drowns in Minnesota boating accident 7/28

» Ignitors softball team takes second in national tourney 7/28

» 'Milwaukee lion' spotted in Glendale Updated:  7/28

» Roadrunner buys El Paso, Texas, trucking firm for $35 million 7/28

» Oak Creek food distributor faces $85K in fines after employee injury 7/28

» Update: Tanker truck crash in Hales Corners, Highway 100 closed 7/28

» Star of 'Dance Moms' to make Oak Creek appearance 7/27

» Sikh Temple announces memorial events to honor victims of 2012 shooting 7/24

» Kayla's Playground groundbreaking 7/24

» St. Alphonsus Parish to host 'Feast on the Blacktop' 7/23

» Public hearing for new TIF district 7/23

» Franklin parks commissioner calls out common council 7/22

» The Suburban 16 Power Rankings: Watt, Niebrugge, and others on the next level 7/22

» Village of Greendale takes ownership of land proposed for veterans memorial 7/21

» Kayla playground project leaps forward in Franklin 7/21

» West Edgerton Avenue reconstruction project plan moves forward 7/21

» Slash in state aid money could force Franklin School district to increase tax levy 7/21

» Oak Creek's Turchin bests Ramirez in sectional thriller 7/21

» Initial Reaction Podcast: A dumb-sports-fan's guide to the Bucks arena financing situation 7/21

View All Posts Got a tip? Welcome rss

Advertisement

Local Business Directory

Advertisement

CONNECT    

Advertisement