Working With Your Insurance Agent When Filing A Claim

The major reason that people purchase an insurance policy is to protect themselves financially if an incident occurs and costly damage is sustained to themselves or their property. Filing an insurance claim is something that you never want to have to actually do, however, life is associated with risk, and when something unexpected happens, it is crucial to know that you are fully protected with insurance coverage. If you are located in San Diego, California, and have questions about filing an insurance claim, Windfall Insurance Services Inc. is here to help. Continue reading to learn some tips to working with your insurance agent when filing a claim.

Understanding The Process Of Filing An Insurance Claim

When you go to file an insurance claim, you are formally requesting that your insurance company pay for the repair of damages caused by harmful events such as an auto accident, a natural disaster’s effect on a home, etc. that is outlined in an insurance policy. When a policyholder officially files a claim, an insurance adjuster will investigate the situation, and once the claim is validated, funding will be sent to the policyholder for the cost of the repairs. It should be noted that if the cost of the damages exceeds close to or less than your deductible amount, it is not really worth filing an insurance claim, since the payout will be for such a small amount. It is suggested to file a claim in instances when someone becomes injured, when it is not completely clear who is at fault for causing an accident, and in instances when a total loss is sustained and the policy is not able to pay for the cost of damages.

What Is The Role Of An Insurance Agent When Filing A Claim?

Not only does an insurance agent help provide you with an insurance policy, they can also help guide you when you have to file a claim. When you become involved in an accident, your insurance agent can also serve as your first point of contact, for instance, if your home sustains damage by a severe storm, your insurance agent can visit the property to assess the extent of the damages. Filing a claim can be stressful and will involve a great deal of documentation, fortunately your agent can help to explain the claim process and help you answer any questions you may have about questions with the paperwork involved. They can also help you understand the length of the process and help it go more smoothly with less errors. It is the responsibility of your insurance agent to help negotiate with the insurance company to help the policyholder get compensated.

If you want to know more about filing an insurance claim in San Diego, California, contact Windfall Insurances Inc. today for a consultation.