The Steps To Making An Insurance Claim

Being involved in an accident or a disaster is something we never want to have to deal with, but unfortunately, there is a risk that something unintended can happen to anyone. Having a good insurance policy can offer peace of mind to help keep you financially protected if an incident does happen, and understanding how to utilize your insurance is crucial so that you are fully prepared when something unexpected happens. If you are located in San Diego, California, and want to better understand your insurance options, Windfall Insurance Services Inc. can help. Continue reading to learn more about the steps to making an insurance claim.

Essential Information: Filing An Insurance Claim

Whether you were involved in an auto accident or your house sustained damages due to dangerous weather, you will first want to ensure the safety of everyone involved. Before entering the damaged building, check for structural damage to ensure your safety, and call emergency services and the police if there are injured people on the scene of the accident. After that, you will need to begin initiating an insurance claim, which essentially is a request that you, the policyholder make to your insurance company to receive compensation to cover your losses. Once your claim is approved, you will then be eligible to obtain repayment based on the terms of your insurance policy.

Necessary Actions To Take If You Are Involved In An Incident Requiring Insurance

When filing a claim, it is critical to remember to document everything to ensure that everything is financially covered. First, contact your agent immediately when an incident occurs, making sure that they have your contact information and providing them with a letter that details the incident and the damages that were sustained. Then, thoroughly examine the damages that were sustained and document everything; create a detailed list of losses, take videos and pictures of damaged property before cleaning or repairing, do not discard any damaged items until the insurance adjustor examines it, keep records of the price of the items, and record any receipts for cleaning and repairing damages, and document any additional living expenses that you may have had to pay while repairs were being completed. You will then make an appointment with a claims adjuster to fully assess the damage and calculate the losses. Once you have discovered all of the damage and identify what is needed to repair or replace the items, you can file a claim. Get an estimate in writing, and then a contractor or mechanic will be able to begin repairing the damages, and once completed, the insurance company will send you a check to pay for the repairs.

If you have questions about insurance coverage in San Diego, California, contact Windfall Insurance Services Inc. today for a consultation.