How to Prepare to File an Insurance Claim in the Event of Disaster Napa CA
Fire, flood, burglary - you never know when you'll need to file a claim on your home insurance policy. To make sure you're compensated, snap digipics of your household stuff and upload them to a photo-sharing site like Flickr.You should also use the services of an insurance loss assessor (known as a Public Adjuster in the USA) when you are pursuing a claim with your insurance company. When you make an insurance claim, your insurance company immediately assigns an insurance loss adjuster to your case. The job of an insurance loss adjuster is to study the case and make sure the insurance company pay out as little as possible. An insurance loss assessor works for the claimant, ensuring they get the settlement they deserve rather than one that suits the insurance company. You and your loss assessor are normally the only persons involved in the case that have your best interests at heart.The...
George Hills Co Inc
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Fairfield, CA
Farmers Insurance & Financial Services - Delorefice Ins. Agency
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707-422-3876
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Tuberty Insurance Agency
707-452-0483
707-452-0483
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Schneider & Associates Claim Services
(818) 566-3090
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Probity Adjusting
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Cunningham Lindsey International Inc
(707) 647-2414
(707) 647-2414
2000 Glen Cove Rd
Fairfield, CA
Fairfield, CA
Farmers Insurance & Financial Services -The Hague Agency
707-422-3221
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James G. Parker Insurance Associates
(559) 222-7722
(559) 222-7722
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Eason, Gary - State Farm Insurance Agent
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How to Prepare to File an Insurance Claim in the Event of Disaster
Steps
- Take pics with serial numbers. Flickr limits you to 20 MBytes of uploads per month, so shoot at low resolution or downsize the files using an app like Gimp (gimp.org).
- Upload your pictures to Flickr, making sure to select "Private" - you don't want the whole world ogling your Fabergé eggs.
- Write captions for each photo. Include the date you purchased the item and its approximate value.
- Contact an independent insurance Loss Assessor ? to ensure you get expert representation with your insurance company, and maximise your entitlement under the terms of your policy.
- Read the small print on your home insurance policy carefully ? ideally you should do this before the damage occurs so you know you are properly covered.
- Call your home insurance company to advise them you are about to make a claim ? it may be faster and more cost-effective to do all this over the phone rather than filling in forms and faxing or posting them. Or better still - have your insurance Loss Assessor report your claim for you.
- You should make your claim as soon as you can after the incident ? there may be a lot of paperwork to collate, including receipts, replacement estimates and repair costs. Your insurance company may insist you use their own preferred suppliers for repairs and replacements - check the details on your home insurance policy.
- If your loss is the result of criminal action, you should report to the police and obtain a crime reference number.
Sources and Citations
- Wired Magazine - Original source of this article. Shared with permission.
- Truman Associates - Source of information on insurance loss assessors.
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