Insurance claims professionals often are the second people on the scene after a natural disaster, arriving right after the first responders. In fact, insurers are often considered the economic first responders – because it is insurance that fuels recovery.
After you call in your insurance claim, a claims adjuster will be assigned to you. This professional investigates and evaluates your loss and helps you get insurance funds to settle your claim. While some insurers may use a single adjuster, others may prefer to use certain specialists. That means you could have more than one claims adjuster assigned to assist with filing a claim after a disaster.
For example, you may have someone meet you at your property who is an expert in construction and structural damage. Another expert claims handler could be assigned to help itemize your home’s contents. If you have flood insurance, a flood claim specialist may be called in. And, if your vehicle was damaged by flooding, an auto damage specialist would be assigned.
In every instance, the goal is to pay your claim and provide the financial resources to rebuild. Understanding the insurance claims process will help to ensure that it is a smooth one.