How Does Homeowners Insurance Claims Work?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Different companies may handle the claims settlement process differently, but this is my experience.  Once you have discussed your loss with your Insurance Professional and have understood your coverage and your deductible and discussed your options, it will be time to report the claim.  Usually within 24 hours, you should expect to hear from a Claims Services Representative (CSR) who will ask you for more details and want to know what you have done to protect from further damage.  In some cases, if the loss is fairly simple and the estimate you have obtaned is within a certain amount, the CSR may send you a check at that time.  If the loss is larger and more complicated, it will be assigned to a Professional Licensed Field Adjuster who will contact you and secure an appointment to inspect the damage, determine coverage and explain the procedure from that point.  This person can also be a great resource a for referrals to licensed professional contractors should you need one.  However, you are not obligated to use any of those contractors if you don't want to.  The Field Adjuster may issue preliminary payments to get the work started and supplemental payments as it progresses.  Once the work is completed to your satisfaction and to the extent of coverage provided by your policy, the claim will be closed.

   Answered on April 4, 2014

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