How to Follow Up After Filing an Insurance Claim
Filing an insurance claim can be a stressful process, whether it’s for a minor car accident, a home burglary or a health issue. However, the steps you take after filing can significantly influence the outcome of your claim. Here’s a comprehensive guide on how to follow up after filing an insurance claim.
Document everything. After you’ve filed your claim, keep detailed records of all communications with your insurance company. Save copies of emails/letters and note details of phone conversations (dates, times, who you spoke with and the gist of the conversation).
Refamiliarize yourself with your insurance policy. Understanding the specifics of your coverage, including any deductibles and limits, can help you set realistic expectations about the outcome of your claim.
Respond promptly to information requests. Your insurance company may request additional information or documentation to process your claim. Responding quickly and thoroughly can help speed up the process. This might include providing photos of damage, police reports, receipts for lost items or medical records.
Keep track of the claim’s progress. Insurance companies typically provide a claim number and possibly an online portal where you can check the status of your claim. Use these tools to stay updated. If they aren’t available, don’t hesitate to call your insurance agent or the company’s claims department to ask about the progress of your claim.
If anything about the process is unclear, ask questions. You have the right to understand how your claim is being handled, so ask about the estimated timeline for resolution, any actions you need to take and how the claims adjuster determined any settlement amounts.
Be prepared to negotiate. Once the insurance company makes an offer, you don’t have to accept it immediately if you believe it’s insufficient. Prepare to negotiate by gathering evidence of the value of what was lost or damaged.
Consider getting professional help. If you’re facing significant challenges with your claim or if the settlement offer is below what you believe is fair, it might be worth consulting with a lawyer who specializes in insurance claims or a public adjuster who can negotiate on your behalf.
Follow up in writing. After any significant phone conversation, follow up with an email that summarizes the main points discussed. This creates a written record that can be useful if there are any disputes about what was said or agreed upon.
Know when to escalate. If you’re having trouble getting your claim processed or you disagree with the insurance company’s decision, it’s important to understand your options for escalation. These might include filing a complaint with the California Insurance Commissioner’s office or seeking legal recourse.
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