Like most of your neighbors, you work hard for the things you have in life. To protect your assets, you have insurance. You also regularly pay your premiums to ensure your coverage does not lapse. After a natural disaster, though, your insurance provider may be slow to review and pay your claim. 

When you are trying to put your life back together, every dollar counts. If you have to wait for weeks or months to receive a check from your insurer, your already bad situation may become downright terrible. While all insurers review claims in their own way, there are some things you can do to ensure you receive prompt payment. Here are four of them: 

1. Keep comprehensive records 

You probably need extensive documentation to support your insurance claim. For example, your insurer may want an inventory of damaged belongings, complete medical records, official police reports and other documentation. Rather than trying to assemble evidence of your claim at the last minute, try to keep all records in one place. It may help you to scan documentation into an electronic format that you can locate from any computer. 

2. File your claim quickly 

A natural disaster can turn your life upside down. After a flood, fire or another calamity, your focus may be on finding shelter, food, water and other essentials. You may not think much about filing an insurance claim. Delaying your filing, though, could be a big mistake. Therefore, as soon as you feel physically safe, try to file your insurance claim immediately. 

3. Respond immediately 

Often, insurance adjusters need additional information to evaluate claims. If your insurer asks you for documentation after you file your initial claim, you should try to provide it as soon as possible. Remember: As long as your insurance company keeps the ball in your court, it has a reasonable basis for delaying your payout. 

4. Ask for help 

Insurance companies have a way of putting their customers’ interests on the back burner. While filing a lawsuit may be something you never thought you would have to do, asking an attorney to intervene may help you receive payment faster. Because lawyers regularly work with insurance providers, they often have unique insight into the inner workings of insurance company processes. 

After a natural disaster, you want to put your life back together as quickly as you can. Unfortunately, you may not be able to rebuild until you receive an insurance settlement. With a bit of effort, you can likely increase your chances of receiving a quick payout.

No Comments

Leave a comment
Comment Information
Email Us For A Response