What to do in the event of a claim?
The process to claim insurance
Do you have damages from an incident at your company or property? Here we explain the step-by-step process you should follow to obtain compensation from your insurance company. Hiring a claims management consultant has many benefits, such as the following:
01
Keep in mind that insurance is a business for the insurer, and the smaller your losses, the more beneficial it will be for them.
Proper Notification: A claims management consultant assists you in notifying the insurance company efficiently and promptly, ensuring that all essential details are communicated correctly.
02
In case of theft or fire, it is advisable to file a report at a police station (Carabineros or PDI) to support your claim.
Support in Police Procedures: In cases of theft or fires, an advisor guides you through the process of filing reports with the police authorities, facilitating documentation.
03
The insurer will hire a paid Adjuster for this purpose, to examine the coverage of your policy and assess your losses.
Expert Assessment: A claims advisor has experience dealing with insurance companies, adjusters, and appraisers, ensuring an accurate and thorough evaluation of your losses, helping you obtain fair compensation.
04
Keep in mind that the appraisers and evaluators involved will work for the insurer, and their fees will be paid by them.
Negotiation with the Insurer: Advisors can negotiate on your behalf with the insurer and the Adjuster, often countering unfavorable assessments and budgets, ensuring your interests are protected and that you obtain the maximum possible compensation.
05
Avoid rough estimates of losses and do not close or conclude a claim prematurely, as it may be challenging to claim what was not initially mentioned.
Understanding of Deadlines and Terms: An advisor can ensure you meet the deadlines and requirements of your policy, avoiding errors that could harm your claim.
06
Take the necessary time to thoroughly assess your damages or losses, and submit a list only when you are certain of its accuracy.
Data Compilation: It will help you gather and organize information effectively to present it coherently and properly supported.
07
Become familiar with the terms, coverage, and deadlines of your policy, as they may vary in each case.
Solid Information: An advisor will ensure that all the information you provide is backed by solid evidence, increasing your chances of success in the claim.
08
Organize and compile the information before sending it to the insurance company instead of providing scattered data.
A claims management consultant takes care of all the paperwork and the claims process.
09
Make sure that the information you provide is supported by solid evidence and documents.
In summary, a claims management advisor streamlines the claims process, improves the likelihood of receiving fair compensation, and alleviates associated stress.
En Rosemary & Ruiz-Tagle is a team of professionals dedicated to advising businesses, enterprises, and individuals in the management and claiming of their indemnities in the event of a loss. Our goal is to ensure that clients receive fair compensation from the insurance company for the damages incurred.
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