How to prove your claim

How To Prove Your Insurance Claim

What Proof Do I Need To Collect For My Claim?

Depending on the type of claim, you may need experts to prove the cause of the loss. The insurance carrier will hire their own experts who usually side with the carrier because of the business relationship they have. You will need an estimate, photos, and other documentation to contest the decision reached by the carrier.

The insurance carrier’s engineers and adjusters do not have your best interests at heart.

The engineers, adjusters, and other experts sent out by the carriers usually have a long employment history with the insurance company. They have deals with each other and the experts usually derive all their income from the insurance company. They don’t want to damage that relationship. Sometimes they make millions of dollars every year from one carrier. They are there to support the carrier’s interest in underpaying insurance claims.

The experts they send are looking for exclusions and loopholes to deny your claim.

The insurance company has an interest in making sure claim payouts are kept at a minimum. Effective experts to find exclusions are necessary for them. Instead of trying to find coverage for you, they 

It is best practice to bring in your own plumbers, engineers, contractors, adjusters and the like to show

#1 – what caused the loss and
#2 – the nature and extent of damages.

On large losses where your contents are destroyed, start making a contents list right away. It can be difficult, but this is the only way a contents claim will be paid.

Do not rely on the carrier to assist you with this.

Sworn Statements In Proof of Loss may be requested by the carrier, and you have 60 days to sign a copy and return to the carrier and provide estimates. Failure to comply could result in a denial of your claim. It is important to follow the deadlines on requests for proof of loss.