Claims
Filing a claim and what to do when it's denied.
A claim goes better when the groundwork is done early: the loss is documented, the policy has been read, and every conversation with the insurer is written down. Deadlines in the policy and in state rules matter more than most people expect.
This topic covers how a claim moves from first notice to payment, and what the options are when the answer is no. Your insurer and your policy decide the outcome, and your state insurance department is the place to take an unresolved complaint.
From the catalog
Read alongside this shelf
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CHK 02
Checklist for filing an insurance claim
The steps to take after a loss, what to keep as evidence and how to keep a clear record with your insurer.
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CHK 01
Insurance renewal review checklist
What to compare between last year's policy and this year's, and which questions to put to your agent.
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RUL 01
Policy Plain editorial standards
The rules we follow on sources, state differences, numbers, corrections and the limits of general information.
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LEX 01
Insurance terms in plain language
Short definitions of the words on a quote, a declarations page and a claim letter.
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DSK 01
Deductible break-even calculator
Enter two deductibles and their premiums to see the extra premium, the saving per claim and the break-even point.