Restoration Projects Require an In-Depth Understanding of the Insurance Process
Dealing with damage to your property can be overwhelming, especially when navigating the insurance claim process. We all hope we’ll never have to deal with a restoration project, but it can happen to anyone. Before you panic, there are many ways to make the insurance claim process as smooth as possible. Today, ServiceMaster by Singer is here to provide tips and advice on navigating the insurance claim process during a restoration project.
Document Damage
The first step in navigating the insurance claim process is documenting the damage. Take photographs and write down any damage you observed to your property. This documentation will help provide evidence for your insurer. If possible, try to make temporary repairs to prevent further damage.
Contact Your Insurer
The next step is to contact your insurer. This step can be overwhelming, but it's critical to do it as soon as possible. The sooner you reach out to your insurer, the sooner you'll start the process. Have all your documentation and information ready when contacting your insurer. This preparation will help you be clear and concise when explaining the damage.
Know Your Policy
Insurance policies can be complicated. As a result, it is wise to know your policy's details. Knowing what is and isn't covered can help you understand what to expect from the insurance company, saving you time and money. Before your insurance adjuster comes for an assessment, read your policy, and ask any questions you might have.
Know Your Insurer & Your Policy
First things first – you will need to contact your insurance company to start the claims process. Get into direct contact with your assigned case manager and make a note of their name, phone number, and email. Keep this information in a safe place where you can easily access it if you need it. Review your policy to better understand the extent of your coverage, what's included, and what isn't. These details will prevent any surprises or frustrations down the road.
Keep Accurate & Detailed Records
It is important to keep records of everything throughout the insurance claim process. To avoid confusion or misunderstandings, we recommend recording:
- The date and time of every call you make to your insurance company
- Who you spoke with
- A summary of the discussion
Keep track of all essential documents, including letters, bills, reports, and explanations of benefits forms you receive. Organize these documents in a safe place that's easily accessible to you. Having records will be helpful in case of disputes, providing evidence to support your claim.
Don't Be Afraid to Advocate for Yourself
Don't be afraid to ask for supervisors or escalate an issue if you're unable to resolve a problem with your assigned case manager. Sometimes, setbacks arise, and it is crucial to address them directly, quickly, and professionally. Knowing how to voice your concerns and advocate for yourself can go a long way in resolving any issues.
Understand Your Rights & Coverage
Understand your rights to appeal a service denial or dispute an indemnity payment you believe isn't enough to cover the costs of your restoration project. Your policy may include a claims adjuster who can assist in determining coverage. Knowing your next steps if your claim is rejected or doesn't cover your expenses is critical. Review the terms and conditions of your policy and verify the expenses are covered by your insurance company.
Update your Insurance Information Annually
It is wise to keep your insurance information up-to-date, especially when you receive a new card or change plans. Many healthcare providers scan copies of your insurance card into an electronic medical record (EMR). Be sure to update information with your insurance providers to ensure your healthcare services can be authorized and paid for easily.
Share Your Insurance Information with A Trusted Family Member
In the unfortunate event you are unable to provide insurance information to your healthcare provider, having a trusted family member or caregiver with access to this information can be helpful. This can help avoid any delays in getting the care you require.
Protect Your Insurance Cards from Fraud
Insurance fraud is a real threat, which is why you should treat your insurance cards like credit cards. Be mindful of where you store your insurance cards, and never give out your information to unsolicited requests.
Communicate Openly & Honestly
Be honest and transparent in all your communications with your insurance provider. Explain the claims process to your family or employees to seek a better understanding. If they're uncomfortable with any aspect of the process, answer their questions and resolve their concerns. If you're unsure about any details, ask your adjuster or company representative. Regular updates are essential for effective communication and restoring your home or business to pre-loss conditions.
Work with a Professional Restoration Contractor
Restoration projects can be daunting, and the last thing you want to deal with is insurance claims. However, insurance is vital for funding your restoration project and getting your home or business back in proper condition. Hopefully, we’ve outlined some tips today to navigate the process as smoothly as possible.
Having a reliable restoration contractor can help make the insurance claim process go smoothly. At ServiceMaster by Singer, our contractors can help document the damage and advocate for you throughout the process. We have years of experience handling restoration projects. Following these tips can help ensure your insurance claim process isn't a nightmare. You’ll be able to handle the process like a pro if you are prepared, knowledgeable, and communicate frequently with your insurer and contractor.
Need restoration assistance? Call our team today at (410) 346-9336">(410) 346-9336!
