The Claims Process

After filing a claim – the process has only just begun. Here’s what to expect along the way.

Step 1

Claim Assessment by the Insurance Company

After you file your claim, the insurance company will begin its assessment process. This involves reviewing the claim and determining the extent of the damage and coverage.

Adjuster assignment: An insurance adjuster will be assigned to your case to evaluate the damage.
Inspection and estimation: The adjuster inspects the property, assesses the damage, and estimates the cost of repairs.
Documentation review: The adjuster will review all your submitted documents and may request additional information.

Step 2

Claim processing and Decision

Once the assessment is complete, the insurance company will process your claim. This stage involves a detailed analysis of the adjuster’s report and your policy terms to make a decision on the claim.

Coverage verification: The insurer verifies whether the damage is covered under your policy.
Claim approval or denial: Based on their findings, the insurer will either approve or deny your claim, or approve it partially.
Explanation of decision: You will receive a detailed explanation of the decision, including how much the insurer will pay if the claim is approved.

Step 3

Repair, Reimbursement, and Closure

The final step involves repairing the damage and settling the claim financially, based on the insurance company’s decision.

Repair work: If the claim is approved, you can proceed with the repairs. You may choose a contractor or use one provided by the insurer, depending on your policy.
Reimbursement: After the repairs, the insurer will reimburse you for the expenses, minus your deductible, according to the terms of your policy.
Claim closure: Once all repairs are completed and payments made, the claim is officially closed.