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Guidelines For Filing Insurance Claims

Published Wednesday, September 3, 2008 by bloggerblognet22596 | E-mail this post

Different Procedures for Filing Different Insurance Claims

Guidelines for filing insurance claims differ with the different types of policies. If you are filing insurance claims for medical insurance, then you should do it within two months of the medical appointment. Before filing insurance claims, do not forget to get the photocopies of all the papers you are sending to the insurance company. If the matter is not settled even after the 45 days of filing claim, contact the insurance company to resolve the issue immediately. You also need to ascertain that the doctor has indicated appropriate diagnosis codes in the receipts. Insurance company may delay the process in absence of these codes.

Call the Agent Immediately

Guidelines for filing insurance claims for other kinds of insurance require that you should thoroughly examine whatever property has been damaged. Then call the insurance provider or the agent so that you can report the damage to the insurance company. Here it is important that you note the name of the person to whom you are talking along with the record of date and time. Do not forget to give him your phone number so that he can contact you immediately as and when required. Keep handy your insurance policy number at the time of reporting. Call a photographer so that the photography or the video recording of the damaged area can be done.

Make Temporary Repairs Only Before Inspection

Do not make any permanent repairs unless the claim adjuster has examined the property and estimated the extent of the damage. However, it is possible to do necessary repair work to prevent the property from being damaged further. For example, you can repair holes in the roof or windows so that the water does not come in and make further damages. You are entitled to get the reimbursement for the amount of money you paid for temporary repairs, so keep a record of it along with all receipts. However, you should keep damaged material so that you can show it to the adjuster as a proof of the loss. It will make it easy for the adjuster to assess the damages to the property. You should put your signature on the statement of proof of loss and ascertain that if any further damage is discovered it will also be added.

CAT Offices

One important question regarding filing insurance claims is what you would do if the office of insurance company itself is damaged and closed. In such circumstances, insurance companies send catastrophealso known as CAT‑teams in or near damaged areas so that people can contact them. If you are unable to find the CAT office, you can visit the official web site of the insurance company to get the address.

Alexander Gordon is a writer for http://www.smallbusinessconsulting.com - The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business.

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Guidelines For Filing Insurance Claims

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Blogger BlogNet89464: Guidelines For Filing Insurance Claims

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