- Be pro-active in the claim process and keep good notes. Make sure you maintain a paper trail.
- Focus on calculating the total value of your damaged or destroyed property and understanding the maximum insurance benefits that are available to you.
- Think of your insurance claim as a business negotiation—you’re dealing with a profit-oriented company and your goal is to restore your assets.
- Give your insurance company a chance to do the right thing, but don’t mistake a friendly representative for a friend and don’t be a pushover.
- Document and support your claim with proof, details and estimates.
- Present clear requests in writing that explain what you need, when you need it, and why you’re entitled to it.
- Don’t pad or exaggerate your claim.
- Don’t sign legal documents without consulting with a qualified attorney.
- Try to resolve problems informally but complain in writing. Go up the chain of command and/or use government agency help when necessary.
- Get specialized professional help when you need it. Start in the “Find Help” section of our website.