Hot button words to avoid when making an insurance claim

When talking to a claim representative or insurer, it’s wise to choose your words carefully. A claim can get off to a bad start if you report it using “hot button” words like “mold” or “flood.”

Those words may sound harmless to you – but insurance representatives today are trained to think “excluded” when they hear them, and they may not accurately describe the cause of your damage or loss. You’re better off explaining that your property has been damaged in a sudden and accidental event, and then make arrangements to have the damage thoroughly inspected by a qualified professional.

To watch a CBS5 news video on this subject, click here.

For more UP tips on how to communicate with your insurance company, click here.

To read past Tips of the Month, click here.

Is there an insurance topic that you want to know more about?

Let us know, and it may become our next Tip of the Month! (click here to submit your idea.)

The information presented in this publication is for general informational purposes and is not a substitute for legal advice. If you have a specific legal issue or problem, United Policyholders recommends that you consult with an attorney. Guidance on hiring professional help can be found in the “Find Help” section of United Policyholders does not sell insurance or certify, endorse or warrant any of the insurance products, vendors, or professionals identified on our website.

Date: July 14, 2024