A Complete Guide To Managing and Controlling the Outcome of Your Insurance Claim

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Xlibris Corporation, May 26, 2011 - Law - 82 pages
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A COMPLETE GUIDE TO MANAGING AND CONTROLLING THE OUTCOME OF YOUR INSURANCE CLAIM

Purpose of this Book

To set up a simple guide to help answer questions and educate homeowners in the claim process once a claim has been filed with the insurance company.

To review the facts and fiction about insurance companies and their claim practicing procedures.

To discuss who influences the outcome of your claim the most during your claim process and how much power they have in determining the fate of your final payment.

To help you decide which contractor to useˇXthe insurance company's referral, the contractor at your door, or a friend you know? Maybe none of the above.

Who should inventory your damaged personal belongings in case of a fireˇXthe insurance company? an outside firm? no one but you?

How do you control the amount of depreciation that is taken off your Building Repair Estimate and your damaged Personal Property? Do you have any control over this? Is it really as objective as the insurance companies state?

Why do so many people state, I pay my insurance premiums for years and now that I file a claim, they deny me stating it's not covered? Is this really true?

Should I file a claim? Will my premium go up? Will I be cancelled shortly after the loss is concluded?

These and many other questions and topics are covered in this book. Sample forms with simple explanations will be outlined. Overviews are presented on the claim handling process to better prepare a homeowner prior to filing a claim.
 

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Contents

PREFACE
11
ABOUT THE BOOK
13
BRIEF HISTORY OF INSURANCE
15
INSURANCE COMPANIES
17
THE HOMEOWNERS POLICY
23
THE INSURANCE AGENT
25
THE CLAIM REPRESENTATIVE
27
THE CONTRACTOR
31
MANAGING YOUR BUILDING LOSS CLAIM
37
MANAGING YOUR PERSONAL PROPERTY LOSS CLAIM
43
MANAGING YOUR ADDITIONAL LIVING EXPENSES
48
HOMEOWNERS CLAIM BINDER
54
PERSONAL PROPERTY INVENTORY FORM
73
CONCLUSION
81
Copyright

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