The reality is that at some point in your life, you will need to file a claim against one of the several insurance policies you likely carry. No matter how well you are treated by your agent and adjuster, there is simply no such thing as a good insurance claim. When you call us to report a claim, it means something bad has happened in your life. We have some simple tips to simplify insurance claims to help the process go smoothly and quickly.
Our goal is to make sure you are treated fairly and that your claim is handled promptly. As a customer of Safeguard Insurance, you can expect us to be involved in every step of your claim and do our best to make sure you are satisfied with the outcome.
Simplify Insurance Claims
The vast majority of insurance claims are settled quickly and most consumers express satisfaction with the settlement received. The insurance industry has an often unfairly perceived reputation for trying to avoid paying claims. The truth is just the opposite: a good adjuster will look for ways to pay a legitimate claim within the scope of the policy contract. Insurance consumers need to remember that an insurance policy is a simply a contract between the policyholder and the insurance company. Both the insured and the insurer have contractual obligations, and a failure of either party can lead to a break down in the claim process. Here are some tips to help prevent this from happening to you:
- Understand your insurance policies before a claim occurs. This means every now and then you’ll need to actually read your insurance policies. We also recommend an insurance review at least annually to make sure your coverage is up to date and reflects your current lifestyle.
- Documentation, documentation, documentation. Write down everything about your claim including who you’ve talked to and on when the conversation occurred. Save any receipts for expenses related to the claim. Begin making a list of items damaged or destroyed (see our blog on creating a home inventory for additional information). Most of all, make sure you can support the claim with proof of ownership, details or estimates.
- Be honest. Don’t pad or exaggerate your insurance claim. If you get caught, which is very likely, your claim will be denied. At worst, you’ll face criminal prosecution for insurance fraud.
- Don’t be afraid to seek outside help or counsel if you feel it is needed. First, contact your agent (hopefully Safeguard Insurance) if you have questions or feel the claim is not progressing as it should. The Nevada Insurance Commissioner can be a valuable resource in helping you to understand policy coverage or settling claim disputes.
Our pledge to you is that we will do everything we can to ensure your claim is settled quickly and fairly. When the need arises to use any of your insurance policies, know that the staff of Safeguard Insurance is here to help and dedicated to your complete satisfaction.