The Claim Process

Insurance - you don’t need it until you need it, but when you do it’s important to know the steps involved in filing a claim. In order to receive the correct compensation you’re entitled to under the conditions of your insurance policies, there are many important details to remember.

Do I Need to File a Claim?

In some cases filing a claim may not be in your best interest, such as the following scenarios: The cost of the loss does not exceed your deductible.Your policy does not cover the loss.You’ve filed a claim within the last three years. When you file a claim, whether you receive a payout or not, this claim stays on your insurance history for up to five years, depending on the type of claim and the insurance carrier’s guidelines. If your claim is due to an act of god, such as a weather event, filing a claim will not penalize you. However, if you are involved in an auto accident whether you are at-fault or not-at-fault your claim could lead to your insurance rate increasing.

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