How To Determine If You Should File a Claim
When unexpected events happen to your home, car, or other investments it can be a difficult decision to determine whether a claim should be filed or not. When trying to decide to file a claim, your agent is on your side to help make the best decision for you and your family.
Calling in a claim – call agent first vs 800 #. (order takers document in system)
If you call your agent, does it get recorded in the system? No, unless it gets called in to the 800#.
- Agent is your advocate
- Protect your loss history
- 3 year history
- Type of claim and when was last claim
- Look at claims at the location and the insured
How to determine if you should file a claim:
- Determine if it is a maintenance issue or due to a peril (perils covered…)
- Maintenance if it could have been prevented by having proper maintenance to home.
- Is it a Comprehensive claim or is it Chargeable? (understand water claims)
- Comprehensive – Weather/Act of God
- Home – Hail, Wind
- Auto – Fire, Theft, Wind, Hail, Hitting an animal (Deer)
- Is it better to hit the animal on the road or swerve to avoid them and possibly wreck?
- Comprehensive – Weather/Act of God
- How many claims do you already have? ( companies non renewing after 2 claims – high risk pool)
- What is your deductible – flat or %? EQ always %
- Get a pre inspection esp. on roofs. Stay away from storm chaser, door knockers. (contractor will typically come back when insurance adjuster comes out.)
- May disappear
- No Warranty
- Trusted Roofing Company:
Anderson Building Company
Address: 135 Chester Ave, St. Louis, MO 63122
Phone: (314) 821-0504
http://andersonbuildingco.com/
Elaine Mahr Audio:
Call for a free Insurance Analysis:
Elaine Mahr
Insurance Agent
314.238.0055
Podcast: Play in new window | Download
