Public Insurance claim process

How the Public Insurance Claim Process Works

If your home or automobile has been damaged, you’ll need to file an insurance claim as soon as possible. With the help of a public insurance claim specialist, you can get compensated for the damage to your home, belongings, or vehicle quickly. If you’ve ever wondered how the public insurance claim process works, read on to learn more.

File the Claim ASAP

As soon as you suffer a loss or damage, it’s prudent to call your insurance company immediately. If you have a local agent, you can contact them directly. If not, use the insurance company’s toll-free number to start the claims process. Be open and honest and make sure that you give them as many details as possible when starting your claim. The sooner you file, the easier the rest of the public insurance claim process will be.

Complete Paperwork

Once you file a claim, you’ll probably need to complete a myriad of paperwork. This paperwork can include an affidavit stating that your claims are true and accurate to the best of your knowledge. You might be asked to include photographs of the accident or your damaged home. Make sure you document everything as much as you can so it’s easier to deal with your public insurance claim specialist.


Assessing the Damage

Your insurance company will send an adjuster to take a look at the damage to your home or vehicle. You can choose to hire a public adjuster if you prefer. The adjuster will assess the full extent of the damages and write down a list of everything they see. Make sure you fully explain everything that has been damaged, including your belongings if your home was involved in a fire or flood.


Finalizing the Claim

You should receive an estimate regarding the cost to repair or replace your home, car, or belongings. You will need to pay your deductible before the claim can be processed, but most insurance companies simply remove this amount from the total payout you will receive. In most cases, you can expect to receive a check for the claim amount or work will be started on your home to make repairs so you can get back to normal.