Get and read a complete and current copy of your policy as soon as possible. Report your claim promptly and read your policy You’re not on a level playing field so take advantage of the free support and info that UP has to offer.ġ. You’re probably overwhelmed by your losses and the insurance process. Adjusters are trained to control payouts by gaining your trust while being firm about dollars and cents. Give your insurance company a chance to do the right thing, but don’t mistake a friendly adjuster for a friend. You’re not dealing with your “good neighbor”-you’re dealing with a company that’s in business to be profitable. When you deal with an insurance company on a claim where large dollars are at stake- it’s business. When it comes to collecting on your insurance policy to replace the contents of your home, it’s all about documentation, organization and negotiation. It doesn’t matter where you live -Louisiana, Mississippi, Florida, California, Texas, or any other state - the insurance claim process is the same. The tips you’ll read here are based on our organization’s over twenty years of experience working with property owners who’ve suffered small to total losses. Negotiate a “cash out” settlement at or just below your contents policy limits to avoid the painstaking task of reconstructing a complete inventory list.Use the internet to set a value for every lost item what it will cost to replace it.Family and friends can help you remember and complete your inventory.Go to a large store and use a wedding gift registry scanner to list and value items you had.Get extensions of time if you need them by making a written request that proposes a reasonable amount of extra time. Produce available receipts, photographs and other evidence. Goals: Collect the value of every personal property item that was damaged or destroyed (up to your policy limits) in the least time-consuming and painful way possible.īasic strategy: Document/list and value every item.
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