INSURANCE CLAIMS PROCESS

Our Claims Process In 6 Steps

The basic steps of an insurance claim process are:

Our Claims ProcessIn 6 Steps

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Damage
control

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Retaining a claim specialist

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Filing your
claim

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Property
Inspection

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Waiting For
Payment

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Initial Payment/Denial Letter

When your home suffers any type of damage, it is easy to feel overwhelmed and confused about what to do next. A lot of times homeowners don’t follow the right steps in the claims process, which can leave you vulnerable to financial consequences or even having your claim denied by your insurance company. Having a complete understanding of the claims process is crucial to making sure your claim gets handled appropriately and timely. The first thing you should do as a homeowner is to speak with an insurance lawyer about any damages or claims you’re thinking about filing. They will be able to walk you through the process and advise you on the right steps to take. If you’re in Miami-Dade County, Your Insurance Attorney is the insurance lawyer Miami locals trust and who you should talk to about your home.

The Claims Process According to An Insurance Lawyer

When it comes to filing a claim with any insurance company it is essential that you follow the correct steps or your claim could be left in limbo or even worse denied. Insurance providers have strict guidelines that need to be followed by the insured party or they reserve the right to refuse any claim, even if it would otherwise be covered. Unfortunately, a lot of people don’t know the correct steps to follow. Speaking with an insurance attorney Miami natives trust will provide the perfect opportunity for you to talk with an expert about your situation and how you should go about filing your claim. The six steps below will also serve as a general guideline to help you navigate through the process.

The first step in the process is to control any damage that may have been done. Although you don’t want to fix anything before an inspector comes out to investigate the damage it is important to get in under control, so nothing further happens. During this initial step, it is vital that you take pictures of anything that happened before you touch anything. This will ensure your insurance company knows what the damage looked like when it first happened, and it will serve as evidence to support your claim.

The next thing you want to do is retain a claim specialist. There are adjusters, contractors, or even lawyers who you can hire to come over and asses the damage done to your home. Having someone like this on your side is a great way to strengthen your claim. They can also provide you with an estimate to how much the repairs may cost and help you go through your insurance coverage, so you know what will and won’t be covered.

The third step is to finally file your claim. Once you’ve had the guidance of a claims specialist and your damage has been assessed, you’ll need to call your provider with all the information collected and send any of the pictures that were taken. The next thing that will happen is your insurance company will order a property inspection so they can evaluate the damage for themselves.

The fifth step is usually the hardest for homeowners because it involves waiting for your payment. After their inspection is complete, the insurance provider will go over the information and determine how much you should be given to cover the amount of damage that was done. The final step in the claims process is receiving your initial payment or having your claim denied. If your claim is approved the last thing to happen will be for you to start getting the money you were awarded. On the other hand, if your claim is denied this is the step you would get a denial letter explaining why the insurance company won’t cover the damages to your home.

Contact Us Today

Your Insurance Attorney is an insurance lawyer located in Miami-Dade County. We pride ourselves on being the insurance attorney Miami locals trust the most when they need help understanding the claims process. Call or visit us today to find out how we can help you! For information from the Florida Bar on home insurance, please visit their website.

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