Each policy has specific coverages and exclusions. Start by reviewing your policy documents for details about what is and isn’t covered. For specific questions or clarifications, please contact us directly. We’re here to help you understand your coverage.
The duration of the claims process can vary depending on the complexity of the claim, the completeness of the submitted information, and the response time from the insurance provider. We strive to expedite the process by ensuring clear communication and diligent follow-up.
To prevent further damage to your property, you may need to make temporary repairs. Keep detailed records and receipts of any work done, as these costs may be reimbursable under your policy. However, avoid making permanent repairs until after the adjuster’s assessment.
Most policies allow you to select your contractor for repair work. However, it’s a good idea to discuss this with your insurance provider or broker to understand any guidelines or limitations. We can also recommend vetted contractors if needed.
If your claim is denied and you believe it was done so in error, or you disagree with the decision, you have the right to appeal. We can assist you in understanding the insurer’s reasons for denial and guide you through the appeal process.
Paul Clay Insurance Agency keeps you informed throughout the claims process. However, if you have questions or need an update, don’t hesitate to contact us. Your peace of mind is important, and we’re committed to providing timely updates.
Filing a claim can impact your insurance premiums, but this varies by insurer and the nature of the claim. It’s important to discuss with Paul Clay on how a claim might affect your policy in the long term.