When you need to file a Homeowners Insurance Claim, the best and quickest way to handle it is to call the CLAIMS Telephone number listed on your Homeowners Insurance declarations page. Most carriers have a 24 Hour reporting line for claims; the station is staffed by an individual trained to take an initial report and pass it on to the assigned claims adjustor based on the type of claim and geographical location of the loss.
Once the preliminary report is taken, a claims number is assigned, an adjustor is assigned and the preliminary record is report to the National Database also known as CLUE; CLUE is a tool used industry wide to review prior claims activity on homes. The CLUE report will later be updated eventual showing the Closed Status and total amount paid by the insurance carrier to resolve the claim.
When making the initial claim report, it is beneficial to only offer a simple and general explanation of the nature of the loss; it is always better to give all the details directly to the claims adjustor as the initial claims report is usually not taken by a person licensed and trained with the capabilities of the insurance adjustor. In most cases, the insurance carrier will assign and adjustor who will make an initial contact within 1 business day.
The adjustor will make an appointment to come out and review the damages claimed, a detailed estimate of the required repairs will be prepared and the adjustor will interpret the policy to determine if and to what extent coverage applies to the damage incurred; the final process will be a resolution letter mailed to the insured with a full accounting of the situation and perhaps an associated check for repairs.
In some cases, an initial payment may be offered holding back the depreciated portion of the loss until the damages or items are replaced after which the carrier will reimburse the insured for the full replacement cost of the items as long as the policy covers everything on a replacement cost basis.
Any specific questions regarding a loss should be directly discussed with the claims adjustor who is licensed and responsible to handle the complete transaction and explain the process to the insured.
Prior to any claim occurrence, it may also be a good idea to contact a licensed insurance representative to learn the process and best recommended method of handling the situation should you encounter a claim.
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Once the preliminary report is taken, a claims number is assigned, an adjustor is assigned and the preliminary record is report to the National Database also known as CLUE; CLUE is a tool used industry wide to review prior claims activity on homes. The CLUE report will later be updated eventual showing the Closed Status and total amount paid by the insurance carrier to resolve the claim.
When making the initial claim report, it is beneficial to only offer a simple and general explanation of the nature of the loss; it is always better to give all the details directly to the claims adjustor as the initial claims report is usually not taken by a person licensed and trained with the capabilities of the insurance adjustor. In most cases, the insurance carrier will assign and adjustor who will make an initial contact within 1 business day.
The adjustor will make an appointment to come out and review the damages claimed, a detailed estimate of the required repairs will be prepared and the adjustor will interpret the policy to determine if and to what extent coverage applies to the damage incurred; the final process will be a resolution letter mailed to the insured with a full accounting of the situation and perhaps an associated check for repairs.
In some cases, an initial payment may be offered holding back the depreciated portion of the loss until the damages or items are replaced after which the carrier will reimburse the insured for the full replacement cost of the items as long as the policy covers everything on a replacement cost basis.
Any specific questions regarding a loss should be directly discussed with the claims adjustor who is licensed and responsible to handle the complete transaction and explain the process to the insured.
Prior to any claim occurrence, it may also be a good idea to contact a licensed insurance representative to learn the process and best recommended method of handling the situation should you encounter a claim.