Steps to File a Claim
You may have never filed a claim and we understand that this could be a very stressful time for you. We are here to help and we will do everything we can to assist you.
#1) Inspect Damage
Inspect the damage and determine if there is a safety risk.
#2) Describe The Damages
Take photos or video of all areas and personal possessions that were damaged.
It is important adjusters are able to assess the damages, and take photos of the damages and retain any parts for the adjusters review.
#3) Make Temporary Repairs
If safe, make only temporary repairs to protect your property from further damage.
Boarding up broken windows, weatherproofing openings in the walls or roof, removing water saturated carpet, when possible, may significantly reduce the damages.
Contact an emergency service company to extract any water and dry the property.
Keep accurate records and all receipts for your emergency repair expenditures.
Locate and have on hand as many records as possible; of your possessions, such as titles, purchase receipts, blueprints, receipts for emergency services after the loss, etc.
#4) Report Your Claim to your Insurance Provider
Report your claim directly to your insurance company, as soon as possible.
Your insurance provider will provide you with instructions on how to proceed and exactly what documentation and records they will need.
Notify Greater Louisiana Insurance if you need further assistance.
Your claim will be assigned to a claim professional who will guide you through the claim process.
They will arrange for your property inspection, determine and investigate covered damage, and assist you in understanding your policy and endorsements.
#6) First Contact
Upon contact, your desk adjuster will discuss coverage, explain the claims process and next steps, and assign an in-person inspection- if necessary.
They will also be able to assist you in suggesting ways to prevent further damage (dry out companies, tarping, and board up).
#7) Evaluation and Estimate
Your claims professional will then determine if the loss is covered.
They will review the inspection report and documentation of damage, interview involved individuals, take photos and samples, and review the estimate of damage.
Once your claims professional completes your loss estimate, for covered damage, they will review with you prior to issuing payment.
The estimate is organized by room, item, and will indicate what will need to be repaired or replaced.
As this is an “estimate” there may be issues that contribute to differences between the estimate and your contractor’s estimate.
If there are differences your claims professional will work with you and/or the contractor to resolve the differences.
The insurance adjuster will review you claim and will do this by either paying what you are owed or explaining why there would be no payment on your claim.
Once your claim is resolved under the terms of the policy, the claim will be closed.
If further investigation is necessary and/or if you discover additional expenses, the claim can be reopened, upon review.