So now that you have your Contractor’s insurance, let’s discuss what you can expect if you have to file a claim of any kind. There are plenty of horror stories out there about the claims process; however, I’m going to give you a few tips to get your claim processed quicker and much smoother.
1. Don’t Call From the Work site
That is unless you have all of the information surrounding the incident.
When you call us (your insurance agent) or the company directly, they are going to have a healthy list of questions you need to have answers to.
Were the police contacted?
Who was the officer name?
What’s the police report number?
You only want to make that call to when you have exchanged and received all pertinent facts surrounding the incident. The more info you provide, the quicker they can assess coverage and liability.
2. Always Provide the Best Contact Information.
Claims adjusters spend 95% of their day on the phone. If you miss them, it may be hard to get them back on the phone the same day. Email is much faster method of communication and will almost always get you a response within hours.
3. Have as Much Information About Everyone and Thing Involved
A claim has to be investigated and statements are needed. Providing your adjuster with this information will help them move along with little to no delay. By going the extra mile upfront will save you plenty of time later. It’s much easier to get the information when it’s fresh in everyone’s mind, instead of waiting days or weeks to follow-up and collect it.
Photos are extremely helpful in an investigation for both damages and liability. Points of impact are often used to help “paint the picture.”
4. The Most Important Tip
Is to try to be as available as possible during the life of the claim. Your adjuster will be in contact to obtain and provide as much information as possible to complete their investigation so the process moves along faster without playing phone tag.
If your last contractors claims wasn’t handled as effectively as possible, let us know if there’s anything we can do to help?
About Ryan Ruffcorn
Ryan grew up in Keokuk, graduated from Keokuk Senior High, and started his agency in Keokuk from scratch in 2003 after having worked for one of the largest international accounting firms, KPMG, LLP.
Ryan is hardworking; his loyal and trustworthy character is exemplified by the way he does business. He thoroughly enjoys helping clients through the insurance buying process to secure coverage for their most valuable assets.