For your insurance claim to be accommodated by the cover provider, it is highly advisable to make sure that you have followed certain steps. One of the ways that insurance companies are able to repudiate a claim is if it has not been filed in accordance with the laid down process. This article is geared towards outlining some of the pitfalls that you need to watch out for so that the claim that you are filing is not nullified.
A common pitfall that you need to watch out for when you are lodging your insurance claim is notifying your insurer late. This is crucial considering that you still have events and evidence related to the claim having a fresh occurrence thereby ensuring that the procedure of adjusting it will be simpler. Instant notification is a condition that is spelt out in the insurance contract and it is in order to make sure that the information is forwarded to your insurance agent or broker.
If you are looking to increasing the chances of your insurance claim being accepted, you must ensure that you have the right documentation. You must ensure that you are safeguarding every communication that you have had with the insurance company so that when they are needed, you will easily find them. In this respect it is important to take photograph of the claim scene alongside making sure that you retain copies of the correspondence that you have mailed to the insurance firm.
It is highly advisable to cooperate with your insurer as a way of ensuring that there will be no delay or refusal to process your claim. There are conditions spelt out in your policy documents which you must fulfill in the event of a claim and you must make sure that you are fully aware of them before the need arises. This cooperation as well extends to the issue of liability policies in case of the defense that is in place.
Another major mistake that you must avoid when making the insurance claim is failing to retain the property that is at the center of the process. Why you should view this as important is attributed to the fact that you do not want to risk destroying the evidence as the investigators and adjusters will need it in their work. On the other hand, by keeping the property, you will be ensuring that no further damaged is incurred on it.
You will have better chance of getting your insurance claim considered by the insurer if you take the time to read properly your policy document. In case you are not able to understand the contents of the contract, you can read more here or contact your insurance broker or agent.