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The Pitfalls To Avoid When Filing Insurance Claims
The only way that you can have the assurance that the insurance claim that you are lodging will be admitted by the insurer, you must ensure that you have fulfilled specific conditions. There are several mistakes that a lot of claimants commit which may lead to their claims being declined. There are certain mistakes listed in this article that you need to avoid so that you reduce the likelihood of your claim being declined.
A mistake that a lot of people make when it comes to filing their insurance claim is being late in reporting it to the cover provider. This is crucial considering that you still have events and evidence related to the claim having a fresh occurrence thereby ensuring that the procedure of adjusting it will be simpler. The timely reporting is a mandatory requirement in your contract and you can also do it to your insurance agent or broker.
You risk getting your insurance refused if you have poor documentation in respect of the claim that you are lodging. You must ensure that you are safeguarding every communication that you have had with the insurance company so that when they are needed, you will easily find them. In this respect it is important to take photograph of the claim scene alongside making sure that you retain copies of the correspondence that you have mailed to the insurance firm.
It is highly advisable to cooperate with your insurer as a way of ensuring that there will be no delay or refusal to process your claim. There are conditions spelt out in your policy documents which you must fulfill in the event of a claim and you must make sure that you are fully aware of them before the need arises. This cooperation as well extends to the issue of liability policies in case of the defense that is in place.
Another major mistake that you must avoid when making the insurance claim is failing to retain the property that is at the center of the process. Why you should view this as important is attributed to the fact that you do not want to risk destroying the evidence as the investigators and adjusters will need it in their work. Additionally, this implies that you see to it that the property dose not get damaged further as a result of retaining it.
It is highly advisable to ensure that you have gone through your insurance policy document as an essential step of lodging your claim. In case you are not able to understand the contents of the contract, you can read more here or contact your insurance broker or agent.