Claims Process In Home Insurance

Claims Process In Home Insurance

Especially with regard to home insurance products, there are several steps that must be taken to submit claims:

1 Reporting
When a disaster results in a loss, you are encouraged as soon as possible to contact the insurance or insurance agent. It is not enough to just report, you must also bring related data as a support, such as the date of the incident, location, list of damage or loss, contactable contacts, policy documents and the like. After that, you are also required to request insurance documents / adjusters / reviewers after receiving a claim notification.

2 Documents
When reporting, there are several documents needed to support claim disbursement. There are 2 types of losses suffered as well as the necessary documents, namely:

Theft

  • Official claim letter to related insurance company
  • Details of lost items and included in the coverage details, including proof of purchase as verifier and value estimator of goods
  • Certificate of theft or loss from the police
  • Chronology of events that explain theft and who is the last person to use the item before it is lost
  • Offer a price for repair or replacement of the intended item

Damage

  • Official claim letter to related insurance company
  • Details of lost items and included in the coverage details, including proof of purchase as verifier and value estimator of goods.
  • Chronology of events that explain theft and who is the last person to use the item before it is lost
  • Technical reports from designated parties to improve the intended goods, including estimates of the cause of the damage, what percentage of damages may be repaired or not.
  • Offer a price for repair or replacement of the intended item

Documents related to the policy must also be brought if needed at any time. In general, the company will look for other documents in addition if the documents submitted by the client are inadequate.