Insurance Claims 101: How to Successfully File and Win

Step 4: Fill Out the Claim Form

Your insurance company will provide a claim form that needs to be completed. This form is critical as it officially starts the claims process. Here’s how to handle it:

• Be Thorough: Fill out the form completely and accurately. Missing information can delay the process or even lead to a denial.
• Attach Documentation: Include all the evidence you’ve gathered. This might include photos, receipts, medical reports, and the police report.
• Keep Copies: Always keep copies of the completed form and all submitted documents for your records.

Step 5: Work with the Adjuster

Once your claim is submitted, your insurance company will assign an adjuster to assess the damage and determine the payout. Here’s how to make this part of the process smooth:

• Be Available: Cooperate with the adjuster and be available for any questions or inspections they need to conduct.
• Provide Additional Information: If the adjuster needs more information or documentation, provide it promptly.
• Negotiate if Necessary: If you disagree with the adjuster’s assessment, you can negotiate. Provide additional evidence to support your case and be prepared to explain why you believe the assessment should be higher.