5-Steps-to-Making-an-Insurance-Claim

5 Steps to Making an Insurance Claim

Facing damage in your property will be devastating because not only your house/building is damaged but also your dearest possessions can be irreversible permanently. We all hope it never happens, but sometimes things tend to go wrong. But, what to do after you face an emergency no matter what kind including water damage, fire damage, etc.? 

Here in this article, we are going to make things easier and less confusing for you if you happen to face something like that in the future. Who to reach first, what you have to do step-by-step to walk through a smoother process. 

The 5 Steps

The insurance claim process generally consists of five main stages, from the moment you report your loss to the settlement and resolution of your claim. You can prepare for the process by gathering relevant documents (such as receipts, original invoices, and proof of ownership), collecting incidents or photos of the damage, and familiarizing yourself with the next steps below. 

 

  • Contact with customer service/agent.

 

When it comes to your insurance policy, your agent is your main contact. They must understand your situation and how to proceed. Once you provide your agent with a detailed list of all damaged or missing items, as well as photographs or videos to help explain the situation. Then the adjuster will contact you to continue the claim process. 

 

  • The investigation of the insurance claim should begin. 

 

Once the claim is reported, the adjuster must do some research to determine the amount of loss or damage your insurance policy covers. The adjuster will also identify the responsible party. You can assist this process by providing witness information or contact information of other parties. 

 

  • Your policy is going to be reviewed. 

 

After the investigation is completed, the adjuster will carefully review your policy to determine what is covered and not covered by your policy. After that, they will notify you of any applicable deductibles that may apply to your case. 

 

  • Performing damage assessment.

 

In order to accurately assess the extent of damage, your insurance adjuster may hire an appraiser, engineer, or contractor to provide expert advice. After the evaluation is completed, your adjuster will provide you with a list of preferred suppliers to assist you in repairs. You don’t have to hire these providers, but it can save you a lot of time and research. 

 

  • Payment is going to be arranged.

 

After the repair is completed and the missing or damaged item is replaced, your adjuster will contact you to resolve your claim and payment issues. The time required to receive the payment depends on the complexity and severity of your situation. 

 

Why CPR24 Services is the right choice to restore your property after damage

Before moving forward with any restoration, homeowners should search for and find the right company. CPR24 Services is the one company that provides disaster response, restoration solutions, and services for residential and commercial properties. We are an insured and certified restoration company that is qualified to work in GTA Toronto. Also, we are more than ready to fulfill your needs with excellence. CPR24 Restoration will appoint a restoration surveyor to advise you on what is required and provide you with an estimate for the work. We will ensure you the best and safest results. Choose a company with years of hands-on experience in emergency fire, water restoration, disinfecting, and mold and asbestos remediation, that can tender to every detail. Call our 24/7 support team at +1 416-551-8287 or send us an e-mail at [email protected]