How do you accelerate the insurance claim process?

Speeding Up an Insurance Claim

First, document when and to whom you spoke, and what about from the first report of the claim to every subsequent conversation. Next, call the claims office of the adjuster and let them know you want an answer or you will have to call their supervisor. If you hear nothing back after a day's time, call the claims office and ask for the supervisor. Explain the situation. Give that supervisor another day to find out what is going on then call back. If you still get no answer, you can call that person's supervisor or even your state's insurance department. All of this may or may not get a settlement to you quicker but you can be certain that complaints to supervisors and the insurance department are taken seriously. Insurance companies see a claim as their chance to perform, to prove the value of their service. Happy insurees stay with their company and sometimes even recommend the company to others.

Also, there are provisions in your policy that detail how a loss will be handled - so make sure you read it over carefully! The policy and state law spell out how long an insurance company has to furnish forms to you by which you can document the value of your loss, etc. From there, the impetus is upon the insurance company to settle the claim promptly, taking what time is needed to properly handle the claim, but no more.

Is this length of time too long to take to settle this claim? Well, what are the details of the loss? Is there something unusual about your loss that is preventing prompt settlement - such as indications of fraud, unusual or rare, i.e. hard to value items damaged, or have you been uncooperative in interviews or in completing any forms they requested you complete?

First answer by anonymous. Last edit by Crystal. Contributor trust: 1459 [recommend contributor]. Question popularity: 223 [recommend question]