Claims

Claims are where insurance becomes real

A claim is a process. The outcome often depends on documentation, timelines, and the exact wording of the policy. This page is general guidance, not legal advice, and it cannot replace your insurer’s instructions.

If you remember one thing

Keep a simple record, what happened, when it happened, what you did next, who you spoke to, and what was agreed. Save screenshots, receipts, and reference numbers.

Step 1: Make the situation safe

Prioritize health and safety. If there is an emergency, contact local emergency services first. Then notify your insurer as soon as practical.

Step 2: Document the facts

Photos and videos of damage, scene, serial numbers, and relevant context.
Receipts, invoices, and proof of ownership.
Names, dates, locations, and any case or report numbers.
A short timeline written while details are fresh.

Step 3: Notify the insurer and follow their process

Ask for a claim reference number and keep it. If you submit documents, note what you sent and when. If the claim has deadlines, track them.

Step 4: Understand what is being assessed

Coverage trigger: does the event meet the policy definitions?
Exclusions and conditions: what might prevent payment?
Limits and deductibles: what is the maximum, what is your share?
Settlement method: repair, replacement, cash value, depreciation.

Common claim pitfalls

Assuming coverage without checking exclusions and conditions.
Missing documentation for high-value items or expenses.
Delays in reporting that violate policy requirements.
Repairs started without insurer approval when approval is required.

Claims checklist

Safety first, then report.
Take photos and save receipts.
Get reference numbers.
Keep a timeline and contact log.
Ask what documents are required.
Confirm deductibles and limits.

Claim specific notes

Auto: exchange details, get incident reports where relevant, document the scene.

Health: confirm pre-approvals, network rules, and itemized billing.

Travel: save tickets and receipts, obtain written proof for delays or cancellations.

Home: prevent further damage when safe, document temporary repairs.

Business: preserve evidence, record downtime, track extra expenses.

Need help framing a claim question?

If you are unsure what to ask your insurer, send us the situation in plain words. We will reply with a structured set of questions you can take to your insurer or provider.

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