The broad insurance landscape is often difficult to navigate, and claiming on insurance can be an equally-challenging process, especially when the unexpected arrives. Post-disaster recovery is hard enough, so here are some helpful tips to help ensure that your insurance claim is a smooth and (relatively) painless process.

  1. Contact your provider
    Ensure that you contact your insurance provider as soon as possible. From a psychological perspective, this is imperative as it will help you deal with your loss and change more quickly and efficiently.
  2. Having a valid reason to claim
    Document the reason for your claim. Taking photos and recording videos should be a priority to help you gather information and ‘build your claim.’
  3. Keep track of all spending
    If you find that you need to spend money (e.g., towards temporary repairs), speak to your insurance provider again. Keeping receipts of all costs incurred is also a valid part of this process.
  4. Repairing damaged items is an option
    If your claim involves damaged items, consider having them repaired or salvaged before throwing them out.
  5. You should be satisfied with the experience
    If you are unsatisfied with how your insurance provider dealt with your claim, ensure that you act upon it. This may involve lodging a complaint or ‘shopping elsewhere.’

Insurance is a challenging game. Being prepared and working through your claim by considering the five steps above is one way to help expedient your process and help you take genuine control.

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