Claim Protocols
The route from loss to settlement
Most claim delays come from missed documentation windows, not disputes. Here's the protocol that keeps a claim moving.
Claim Protocols
Most claim delays come from missed documentation windows, not disputes. Here's the protocol that keeps a claim moving.
Loss Settlement Process
Notify the carrier as soon as reasonably possible after a loss. Most policies require "prompt notice," and delayed reporting can complicate coverage determinations.
Photograph damage before any repairs or cleanup, and gather supporting records. This documentation window closes quickly and is the most common source of settlement disputes.
The carrier assigns an adjuster to investigate the claim, verify coverage, and estimate the loss. You may also hire an independent public adjuster at your own expense.
The adjuster inspects the loss, applies policy terms, and prepares a damage estimate. This is the stage where deductibles and coverage limits get applied to the actual figures.
The carrier presents a settlement figure based on the evaluation. You can accept, negotiate with supporting documentation, or formally dispute the amount.
Once settlement terms are accepted, payment is issued — sometimes in stages for larger property claims tied to completed repair work.
Documentation Flow
Police report number, other driver's insurance details, photos of all vehicles, and repair shop estimates.
Room-by-room photos, a written inventory of damaged items, and any pre-loss appraisals or receipts you retained.
Preparation Guidance
Claim readiness starts long before an incident. A short annual review keeps the documentation gap from ever opening in the first place.
Get notified when documentation checklists are updated.