INSURANCE NEWS & INSIGHTS

After fire, storm, water or other property damage: Photograph damage Protect the property from further damage Keep receipts for temporary repairs Prepare an inventory Contact the insurer promptly Do not permanently repair or discard major damaged property before documenting it unless safety requires otherwise Read more:Illinois DOI — Disaster Information

A public adjuster represents the policyholder in certain property claims. Public adjusters in Illinois must be properly licensed. Hiring one is not required simply because you have a claim. Before signing an agreement, understand: Fees Contract terms Services Cancellation provisions Read more:Illinois Department of Insurance — Public Adjusters

A denial does not necessarily mean you must immediately accept the decision without understanding it. Ask for: Written denial Policy provision relied upon Explanation of the decision Review the policy and supporting documentation. If appropriate, discuss the issue with the insurer or agent.

Before filing a complaint: Contact the insurance company. Document who you spoke with. Keep copies of communications. Request the company's position in writing. If the issue remains unresolved, you may contact the Illinois Department of Insurance.

The Illinois Department of Insurance handles complaints involving areas including: Auto Home Commercial insurance Life insurance Claims Premiums Cancellations Refunds Sales misrepresentation The Department can investigate whether insurers and producers comply with Illinois insurance law. It cannot act as your attorney or determine every factual dispute. Read more:Illinois Department of Insurance — How to File…

Insurhaus can help direct clients to their insurance company's claims department and assist with general policy information. Insurhaus 630-786-9971info@insurhaus.comwww.insurhaus.com Important Notice Insurhaus is an insurance agency and does not have authority to determine coverage, liability, fault, claim value, or claim settlement. Claims are investigated and adjusted by the applicable insurance company. This information is educational…

Below are additional insurance topics and official Illinois resources that may be helpful to individuals, property owners, landlords, contractors, and business owners. Condo / HO-6 Insurance & Association Master Policy Important information about condominium association insurance requirements, master policies, unit-owner responsibilities, liability, and individual HO-6 coverage. Official Resource:Illinois Condominium Property Act Read more:https://www.ilga.gov/Legislation/ILCS/Articles?ActID=2200&Chapter=PROPERTY&ChapterID=62&MajorTopic=RIGHTS-AND-REMEDIES Renters Insurance…

For additional information, insurance questions, policy reviews, or help determining which insurance coverage may apply to your personal or business situation, please contact Insurhaus. 630-786-9971 info@insurhaus.com www.insurhaus.com Your Life. Your Business. Under One Roof. Important Notice This information is provided for general educational purposes only and is not legal, tax, financial, employment, accounting, or contractual…