Tips for Settling a Claim

• Track all expenses associated with the loss. They may be reimbursable under your homeowners insurance policy. Examples could include mileage and meal expenses if called into court for the claim or temporary repairs made to protect against additional damage.
• Keep copies of all your paperwork for future reference.
• Don’t start permanent repairs until the insurance company claims adjuster has assessed the damage and you’ve been given the go-ahead.
• You have the right to choose the contractor. Your insurer may provide you with a list of pre-approved contractors to save time and hassle, or you may be asked to obtain written estimates from a few licensed contractors of your own choosing. Regardless of the procedure, the policyholder has the final say in contractor selection.
• You have the right to negotiate the settlement. If you’re having a difficult time with the adjuster, contact the company directly and ask to speak with the consumer services department or the claims division manager. If you still find the settlement unacceptable, follow the appraisal procedure outlined in the insurance policy. Most appraisal procedures work by you hiring an independent appraiser at your expense. Once the appraiser reaches an agreement, the claim is settled at that amount.