What To Do After an Insurance Loss
After a loss:
1. Protect people first.
Contact emergency services when necessary.
2. Prevent additional damage.
Take reasonable temporary measures to prevent further loss.
3. Document the damage.
Take photographs and video before disposing of damaged property when safely possible.
4. Report the claim promptly.
Contact the insurance company or appropriate claims department.
5. Keep records.
Save:
- Claim number
- Adjuster information
- Photos
- Receipts
- Repair estimates
- Emails
- Letters
- Notes from telephone conversations
Read more:Illinois Department of Insurance — Disaster & Claim Information
Understand the Role of Your Insurance Agency
An insurance agency can help you:
- Locate the correct insurance company
- Find claims contact information
- Help explain the policy generally
- Assist with communications
However, the insurance company handles and determines the claim.
Insurhaus does not determine:
- Fault
- Claim payment
- Coverage decision
- Settlement amount
- Repair authorization
Those decisions are made by the insurance company according to the policy and applicable law.