Property Damage: Questions for Your Agent
These are some questions to ask your insurance agent. These may confirm what you already know or may help you understand what you are covered for.
Keep Good Notes
Write down the day, date, phone, email and name of the person you are talking with.
For each question or issue, include an outcome, who is responsible for the task and a follow-up meeting date to ensure progress.
Ask the Following
What is the claim number for this incident?
What is included under my policy:
- Temporary living expenses? Replacement of essential personal items?
- Rental vehicle costs (if necessary)?
- Other expenses and costs
WHN Tip: Have your insurance agent provide an exact list of what is/is not covered in the recovery and re-building process.
What is the date by which you need the list of living expenses/immediate replacement items?
Does someone from the insurance agency (or a governmental agency) need to accompany me during the initial walk-through of structure/review of the home and vehicle(s)? If so:
- What is the approximate date and time for the initial walk-through?
- Who is coming from the insurance agency to handle the walk-through?
What should I tell my mortgage company?
What information do I need to document the damage? At a minimum, this would include:
- Make, model, serial number
- Date purchased
- Purchase cost
- Description of damage
- Location in home
WHN Tip: Don't Throw It!
All items should be inventoried and no item should be thrown away without the approval of the insurance company.
What is the time limitation on filing claims:
- For the structure?
- For my possessions?
- Other claims?
When can I move my car for safe-keeping and insurance purposes?
When I file the claim, will the insurance company need any information from any local, state or national agencies? If so, what type of information?
How is damage to my car covered:
- Under the homeowner's policy?
- Under the vehicle policy?
When do I need to submit a formal statement of loss? This usually includes:
- The time and cause of loss.
- The names and addresses of those who have an interest in the property. These might include the mortgage holder, a separated or divorced spouse or a lien holder.
- Building plans and specifications of the original home and a detailed estimate for repairs.
- The damage inventory mentioned above.
- Receipts for additional living expenses and loss of use claims.
WHN Tip: Statement of Loss
The statement is usually submitted within a stated time period (usually 30 - 90 days).
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