Personal property claims generally fall into two categories: home and auto. The easiest and fastest way to get back to moving forward with your life is to go through the personal insurance company claims process. Here’s a basic rundown of what to expect.
File the Claim
When disaster strikes whether a car accident or a fire through your home, the first thing to do is call your insurance company. You file a claim with them following their guidelines. The sooner the claim is filed, the sooner the work can get started.
Meet the Adjuster
Once the claim has been filed, the adjuster makes an appointment to look at the damage. The adjuster needs to see all the damage, so avoid cleaning or tidying up before they arrive.
Receive an Estimate
The adjuster helps estimate the cost to repair or replace the damages. You and the adjuster likely meet with the contractor for a home repair prior to work beginning.
Start the Repair
Whether replacing or repairing your vehicle or home, the repairs can start once the insurance has agreed on an estimated amount. The process can take weeks to months depending on the extent of the damage.
Auto accidents and home damage can derail your life for a bit. The personal insurance company claims work to make the process as easy as possible, so you can get back to living your life.