How to Prepare to File an Insurance Claim in the Event of Disaster Poway 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...
Sams & Associates
(916) 368-7267
(916) 368-7267
9852 Business Park Dr Ste C
Sacramento, CA
Sacramento, CA
Southland Claims Services
(714) 772-1933
(714) 772-1933
7761 Garden Grove Blvd
Garden Grove, CA
Garden Grove, CA
Stephens Brian Insurance
(661) 424-0800
(661) 424-0800
18560 Via Princessa
Santa Clarita, CA
Santa Clarita, CA
John Glenn Adjusters & Administrators Inc
(661) 533-8100
(661) 533-8100
3245 Jennifer Dr
Torrance, CA
Torrance, CA
Cost U Less Insurance Center
(909) 428-3800
(909) 428-3800
17218 Foothill Blvd Ste 105
Fontana, CA
Fontana, CA
J B A Insurance Adjusters
(916) 361-6616
(916) 361-6616
9845 Horn Rd
Sacramento, CA
Sacramento, CA
Farmers Insurance & Financial Services -The Hague Agency
707-422-3221
707-422-3221
1327 Oliver Road
Fairfield, CA
Fairfield, CA
Public Adjusters of Southern California Inc
(951) 248-0020
(951) 248-0020
4372 Central Ave
Riverside, CA
Riverside, CA
JBA Insurance Adjusters
(951) 776-0153
(951) 776-0153
6989 Sundance Trl
Riverside, CA
Riverside, CA
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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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