It’s not difficult to make a claim on your Charlottesville, VA Renters Insurance, but there are a few things that you should know in advance to make the process smoother. There are also things that you can do before a claim happens that can help you to make the process easier.
The Five W’s
Do you remember learning the five W’s in school when you were learning how to write? Who, what, when, where, and why are the important things you’ll want to be able to cover if you need to file a claim. Who caused the loss, or took the property? Even if you don’t know who it was, any descriptive information is useful. What happened? How did the loss occur? When did the loss occur?
The more specific you can be about when, the more chance you have of recovery of the property and the easier the claim is. The where is important because it can provide details about the other factors that you might have forgotten – if something was stolen from your home, that might prompt the question of how they got in. Why is subjective, but is there someone who isn’t getting along with you and would want to cause you trouble, or did someone take your stuff because they wanted money for drugs? Those are very different situations, and are investigated differently.
When we say “investigated,” bear in mind that all claims are investigated – they have to be proven to be valid before they’re paid. That doesn’t mean that they go full throttle digging into the situation, though. For example, signs of forced entry and stolen property that you have proof of tends to be a straightforward claim. For most honest policyholders, it’s entirely transparent to them and doesn’t hold up the process.
You should have a list of what you own. Video and photographs are also important. This renters insurance home inventory allows you to easily determine what suffered the loss, and lends credibility to your claim at the same time. It also ensures that you don’t forget to claim certain property. Small items are often forgotten, and that can be a significant burden.
You most likely won’t ever have to deal with a special investigation of your claim. If you do, it’s because something doesn’t add up, and the claim requires far more information. The insurance company will ask far more questions, and they’ll do significant external research. In some cases, they’ll hire an insurance investigation firm to find additional information about the claim or about the claimant. In other cases, they’ll use internal resources to make sure that the claim is valid.
This only happens rarely, and when there are red flags. If you’re claiming things you legitimately owned and that fit with your lifestyle, it’s not a serious concern for you. On the other hand, if you’ve inflated the claim or otherwise been less than forthcoming, you may have a serious problem if it gets to this stage.
Some claims that require special investigation are legitimate, they’re just odd and have factors that make them high risk for fraud. The legitimate claims do get paid after an investigation. The insurance company has an obligation to ensure that they’re only paying valid claims, for the good of all policyholders. Don’t panic if you end up in this situation and you’re being honest. Even if you have to submit to an examination under oath, as long as you’re telling the truth, it’s just not that big of a deal.
How To File A Renters Insurance Claim
That’s easy. Just call your insurance provider, give them details of the claim, and they’ll get the process started! That’s all there is to it. For more information on how you can be protected, just call (800)892-4308 or click to get covered - whether you need Charlottesville renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
What's Your Style?
- Do You Need Coverage ASAP? Check out the fastest way to buy renters insurance online and get covered in just 60 seconds!
- Do You Feel Like Talking About It? Just call Effective Coverage and a renters insurance expert can help you get great coverage in minutes.
- Do You Need Some Time Alone With Your Thoughts? We understand, which is why we created the Virginia Guide To Renters Insurance.
- Just Want To Watch A Movie Together? See our video guide below.