Making insurance claims can be a nightmare in New Jersey or in any other state for that matter. Let’s make one thing clear, it is imperative for insurance companies to make money out of there business dealings with you. When you are making a claim on your homeowners insurance, they are basically losing money one you.
It is safe to assume that any reputable insurance company will find ways to deny your claim or significantly reduce it. Below are some ways to make sure you get exactly what you paid for.
Make the Right Choice
One of the best ways to ensure that you get exactly what you paid for is by being as meticulous when you buy insurance at newjersey-insurance.net. Ask questions and educate yourself, don’t let the jargon fool you. If there’s something you don’t quite grasp, ask the agent to explain it. When you start looking for the best homeowners insurance quotes in New Jersey, you should already be armed with the right information. Talk to your neighbors or friends about claims they have made where they were not fully reimbursed and ask them what clauses insurance companies referred to in order to deny them. That way you can ask your representative how to prevent that from happening.
Ask to read the policy before you sign anything. Read the fine print. When you ask an insurance agent to give you the best homeowners insurance quotes in New Jersey, they are focused on selling you products. It is up to you to be prudent about the product you are purchasing.
Keep Detailed Records
When filing insurance claims, you CAN NOT expect the insurance company to keep tabs on all your paperwork. This is a mistake a lot of people make, they just automatically assume the insurance company will do right by them so they don’t keep track. Last thing they know, the claim has been denied with no concrete reason. Keep copies of everything; have the company sign receiving copies whenever you give them documents. Even the best homeowners insurance quotes in New Jersey that the agent gave you could help later on. Keep a record of it. Take lots of pictures of the damage and take notes to go along with the photographic evidence.
What to Do When a Claim Is Denied?
This is where all of your meticulous preparation will come in handy. If the insurance company denies your claim, ask for a written explanation as to why your claim was denied. Having kept detailed records and with a written explanation as to why they cannot reimburse you, you can now file a complaint with evidentiary support. Tip: Complain to a supervisor early in the process. The higher up you go the more likely their bonuses rely on customer satisfaction.