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As a business owner, homeowner, or any other individual with insurance, I’m sure you would like to imagine insurance as peace of mind, and peace of mind only.
However, when an unexpected and adverse incident presents itself and you need to make a claim on your insurance policy, it’s worth knowing how it’s managed. Even better is enlisting the help of a professional to manage the process on your behalf.
Do you need to make a claim or want to know more about the claims process?
Read more from the Gold Coast insurance brokers at Crest Insurance to find out.
Gain clarity from the first phone call
First things first when making a claim is to contact your insurance broker. We’re here to understand the event, your perspective and act on your behalf throughout the process.
Get in touch with your insurance broker as soon as possible for an increased chance of a swift and straightforward settlement.
From here, it’s time to gather all the supporting information to submit alongside your claim.
Here’s a good guiding list:
- Key identification factors of yourself, business and the insurance policy number
- Details describing the loss or damage, including when and where the incident occurred
- Police reports filed for vandalism and malicious damage
- Incident report copies
- Third-party vehicle details in the event of a car accident
- Repairer invoices which specify storm damage as opposed to general maintenance issue
- Receipt and breakdown of plumber costs in the event of water damage or burst pipes.
Go through the supporting documents with a fine-tooth comb before handing over to your insurer or insurance broker to prevent any delays.
Your insurance broker submits your claim
Once you and your insurance broker are happy with the preparation of your claim, we’ll send it directly to your insurance company on your behalf.
Rest assured that going through your insurance broker ensures everything that’s needed to process your claim accordingly and with precision and urgency, is addressed.
If there’s more information needed, the insurer will contact us.
Assessment and decision time
In some claims, the insurer may appoint a loss assessor, loss adjuster or investigator to take a further look into your claim.
For more complex claims, we as your insurance broker, will negotiate on your behalf.
If/when your claim is accepted, this is great news for you and/or the aggrieved parties in the remuneration of losses.
If your claim is denied, we’ll acquire and send through to you the insurer’s written reasons for the decision and directions for the complaints handling process. And of course, we’ll help you fight the claim if we feel the insurer may be in the wrong.
Why utilise your insurance broker in your claims process?
Essentially, an insurance broker works for you to find and acquire the best insurance coverage, and help you make a claim if or when necessary. We do not work for insurers. We work for you.
Crest Insurance are here to help access the most tailored business and personal insurance products and be the helping hand you need in the event of making a claim.
Contact Crest Insurance today to discover a a team of local Gold Coast insurance brokers who will find the most suitable insurance coverage for your needs.
Disclaimer: The information contained in this news post is general in nature and is intended to provide a general summary only and should not be relied on as a substitute for professional advice.
