How to speed up your insurance claim process

Insurance Claim Process - take time to cover all angles

When it comes to your insurance claim, obviously you want it assessed, processed and paid out as quickly as possible, so that you can get back to normality. Unfortunately, sometimes if you rush it, you can easily miss crucial elements which may affect the final settlement, or slow down the entire insurance claim process.

Here are some tips of what NOT TO DO, if you don’t want to delay the insurance claim process, or jeopardise your settlement

  • Don’t start cleaning up the damage before your insurance company has had a chance to view the loss. Of course, it’s a natural instinct to begin removing personal belongings and fixtures, but a complete inspection must be made and an inventory is taken before any items are touched, replaced or repaired.
  • Remember this is all evidence, and without it, you will struggle to recover the full value of the items.
  • Get quotes for everything and only then decide what should be dumped when approval has been gained from your insurance company.
  • Make informed decisions and don’t be railroaded. Get an expert opinion from a specialist and give yourself the tools to recoup your full entitlement.

 

“If you’re not properly managing your insurance claim, then your claim is managing you.”

 

How to manage your insurance claim process the right way

  1. Understand what your insurance policy covers. You are personally responsible for some costs, and they can add up very quickly. If you are under-insured at the time of loss, you can be significantly out of pocket following a loss without recourse.
  2. Do your due diligence. Talk to a professional loss assessor who is experienced in handling these types of claims. If you don’t know any, get recommendations from friends and family, or search for the highest-rated loss assessors in your area.
  3. Understand the costs. Please familiarise yourself with the cost of professional services and what it covers.
  4. Make an itemised inventory. Don’t touch anything until a comprehensive list of damaged items has been made.
  5. You have a responsibility to mitigate and protect your property but know your limitations. Yes, you want to slow the process down in order to carefully follow each step, but don’t put your business “on hold” for too long.
  6. Once the initial paperwork, checklists and inventory are completed, get the demolition started right away.
  7. Recognise “BER” loss. Unfortunately, there are times when a property or contents are beyond economical repair, and demolition/disposal is the only practical solution. Remember you still need to protect your interests in this case, and demolition or disposal should not be carried out until approval has been given.

Don’t let your claim spiral out of control. Manage it and slow it down to a pace that you feel comfortable with, but that allows you to return to your business or your home within a reasonable time frame. By understanding the process and all related costs, you are more likely to get the best return for your claim and also avoid being out of pocket.

 

 

Contact Details

Insurance Claim Solutions
Golf Rd, Rush, Co. Dublin

Mobile: 086 357 1713
Phone : 01 870 9210

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

Google Reviews

Custome Reviews
Karl Spratt
Karl Spratt
16:47 28 Nov 22
Recently had a bad leak in our upstairs bathroom, I was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor and the Team at Insurance Claim Solutions made everything hassle free, they dealt with all aspects of our claim. Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
Susie Webster
Susie Webster
12:35 03 Nov 22
Recently had a bad leak in my bungalow, was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
N roy
N roy
19:20 23 Oct 22
Trevor was recommended to us only 4 weeks ago. We had a leak in kitchen which we thought would need just a new floor. Trevor came in and from that moment onwards we were in safe hands, far more damage than we ever thought thanks to Trevor, he did all the work with our insurance company, no hassles at all. If you have something happen at home and are thinking of using your insurance look no further than Trevor. His knowledge his second to none, best decision we have made in years. 5 stars isn't enough.ThanksNigel and Mags
Graham Nugent
Graham Nugent
09:24 20 Oct 22
I am delighted to recommend Insurance Claim Solutions to anyone facing a need to submit a home insurance claim. We had a significant escape of water from our attic tank while we were away, and came home to quite a smelly mess and water damage. We contacted Insurance Claim Solutions and really appreciated Trevor Kelly's attention to detail, and his professionalism. Trevor is a really good communicator and he is friendly, he took away all of the hassle and bureacracy for us; and as an industry expert he was thorough in preparing our claim and negotiating on our behalf. We handed everything over to Trevor and had no regrets; now that the claim has been settled, we could not be more satisfied. Thank you Trevor.
Eoin Donohoe
Eoin Donohoe
09:21 30 Sep 22
I recently worked with Trevor on a housing claim that required experienced support from a top quality professional. Trevor certainly is a high quality professional who provided great support. Trevor is a great communicator and was extremely good at keeping me up to date on how the process was progressing. He kept me reassured that the issue had his focus and commitment at all times. I would highly recommend Trevor.
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