Home Insurance: Frequently asked questions What is the process that my insurance company follows when I file a claim?
• Insured calls agent or claim service center to report initial claim. • Claim received in local claim office from service center. • The insured receives a call from the claim department to review loss facts and claim-handling procedures. • If an inspection is not needed, the adjuster requests information needed to process the claim and issue a settlement check. • If an inspection is needed, the claim is assigned to a field adjuster who contacts the insured and sets an appointment. • If a contractor is involved, the adjuster attempts to meet with the customer and the contractor to reach an agreed scope and dollar amount of loss. An estimate is prepared and a check is written for the damages. • If a contractor is not involved, the adjuster prepares an estimate and issues a check for the damages. • If the insured obtains a contractor after the loss is settled, the insured is instructed to have the contractor review the estimate and contact the adjuster with any discrepancies. • Every att
