When you have experienced damage to a home or your belongings, you will want to file a claim with your insurance agency as soon as possible. Once you file your claim, a property loss adjuster may visit your home to investigate the damage even before the customer receives a claim form. To learn more about this process, read here. So what does an adjuster do relative to property claims management?
Responsibilities of a Loss Adjuster
We have already established that a loss adjuster works for an insurance agency or an professional independent claims handling company investigating claimed damages. Loss adjusters are normally the first point of contact customers deal with after logging a claim with their agent. Claims management for property means that we will visit their home within days to gather the facts needed to progress on the claim. We make sure the claim is valid and determine the correct amount to pay the customer for their loss according to their policy, thus saving the insurance agency from the timely and tedious process. We may also let customers know what safety measures they should take to avoid further damage and loss.
The Claims Process
Step by step, this is normally how property claims management progresses. First, the consumer gives notice to their insurance agent that a loss has occurred. Agencies may have a time-limit on how late they can be notified of damage if they are expected to pay for it. Usually, a customer must report it right away or as soon as possible, so evidence can be preserved.
The agency then contacts us to provide claims management for property. We investigate and make sure that the conditions of the policy were met before and after the event, then determine the amount of loss. The policy will only be enforced if the loss occurred within the period of the policy, was instigated by a covered cause and meets the rest of the contracted conditions.
Our property loss adjuster will require visual proof of loss and customers will be expected to file written proof with their agency within a specified amount of time. After that, the insurance company will either pay or deny the claim.
When property damage occurs, property loss adjusters play a big role in determining whether a customer will receive money for the loss and how much they are entitled to. Our company is the face of the insurance agencies we serve and we take pride in closing claims fast, friendly, and right the first time!
Take Action and contact Action Claim Service today for all your claims handling needs!
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