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How to Reduce Stress When Filing a Claim (Spring 2013) << Back
Many of the complaints we receive each year are from customers who are unhappy about the handling of their claims.  Most of these complaints deal with delays in the claims process. When people are dealing with the issues that made them file a claim in the first place, it can be even more frustrating to deal with insurance claim issues on top of that.  For this reason, it is important for all policyholders to be prepared. One of the best ways to do this is to make sure all of the information the insurance company needs is available. You should keep these documents in an easily accessible, safe place. The following suggestions are also helpful.
When filing a claim, make sure they are submitted promptly.
Call our agency immediately after something happens that warrants a claim. Letting time go by results in more delays as well as lost receipts. If temporary repairs are put off or not completed, the initial damage to the home could worsen. For example, water damage that is not addressed promptly could lead to problems that would cost even more money.
Understand the policy.
It is important for you to know what your policy covers.  Knowing what is covered and what is not covered makes it easier to determine what to expect when damage occurs. Waiting until a disaster happens to read through the policy will only result in further frustration.
Use correct and complete information for the claim.
Using incorrect or incomplete information will result in processing delays. Check all of the information for accuracy twice before submitting it, and make sure everything that is required has been provided.
Keep records of all forms of correspondence.
When making calls, sending emails or receiving letters, make sure each one is recorded. Write down the date, the form of correspondence, name of the contact person and the subject of the correspondence. If there are any important details, include these in the notes. Policyholders should always ask questions and address any disagreements promptly.
Keep records of temporary repairs.
Some types of damage warrant immediate but temporary repairs. If this is the case, it is important to document any work that was completed and who completed it. When purchasing supplies or services, save the receipts. Taking photos or videos before and after the repairs is also helpful. Homeowners should never make permanent repairs. Policies only cover necessary temporary repairs. The actual cost to complete permanent repairs will be determined by the insurance company adjuster.
Never rush into a settlement.
When a settlement offer does not seem fair, contact our agency immediately to discuss the matter.
Ask for information to be released for health claims.
If medical help was needed due to the claim, it is important to ask a medical provider to release relevant information.
The claims process is a stressful one for many people, but with proper preparation, stress can be reduced. The most important thing to remember is that a representative from our agency is always available to help during any part of the process, so do not hesitate to contact us when any questions arise.


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AHTKY Insurance Agency, LLC
1451 W. Artesia Blvd, Suite A, Gardena, California 90248
CA License: 0C46036