The basic steps of the "Claim Process"

Contact Turnbull-Whitaker

Whenever possible, this should be your first call. Our goal is to assess the situation on your behalf and give you a plan to proceed forward. This may involve gathering the claim details from you including items damaged or lost, description of the incident itself, date, and time of the event as well as any other materials you may have to help explain what has taken place.

At that point, we will:

• report the claim directly to your insurance company
• offer you the name of a restoration contractor if appropriate
• confirm in writing that the claim is underway and provide the names of any contacts which the insurance company may supply

You will then be contacted by an Adjuster to continue the claims process.

The Claim Investigation

1. The claim will be investigated by the insurance company either using their own in-house adjuster or a third-party adjuster depending upon circumstance. The adjuster will determine the following:
   1. the events/details surrounding the loss
   2. the amount of loss or damages covered by your insurance policy
   3. identify any liable parties
   4. witness information or other parties' contact information.
2. Damage evaluation is conducted. To accurately evaluate the extent of the damage, your insurance adjuster may hire appraisers, engineers, or contractors to lend their expert advice.
3. Next the adjuster will go through your policy carefully to determine what is and is not covered and inform you of any applicable deductibles that may apply to your case. This is one of the specific areas that we as your broker can help to ensure that the adjuster is fully aware of all the coverage benefits you are entitled to. It is vital that the lines of communication remain open between you and us understanding that the insurance company and adjuster do not always keep us your broker fully apprised of circumstances.
4. Once the evaluation is complete, the process of putting you back in the place you were prior to the loss begins. If a property loss, this may involve replacing contents or the arrangement of a contractor. When it comes to hiring third parties, although you may not be so inclined at first, be open to using those parties recommended by the adjuster/insurance company. This not only saves you time and research, but also holds the insurance company more accountable in the event of any issues.
5. Payment is arranged. After repairs have been completed and lost or damaged items have been replaced, your adjuster will contact you regarding settlement of your claim and payment. The amount of time it takes to receive payment will depend on the complexity and severity of your situation. We can help to ensure you receive proper interim payment assistance.