Filing An Insurance Claim

Answer 1

An insurance claim is the official act of asking an insurance company to make a payment according to the terms of an insurance policy. This is an important act because without it, there would be no way to receive compensation for covered damages. Most insurers issue instructions for filing a claim with their policy documentation. It usually involves a call to their claims department and the dispatch of an insurance adjuster to evaluate the claim.

After the adjuster makes a recommendation, the insurance company either denies the claim or approves it for the amount the adjuster determined appropriate. Most companies have an appeal process that helps the insured have more input if the payment is insufficient.