As your dedicated insurance agency, I want to bring to your attention the importance of reaching out to us before proceeding with filing a claim. While we understand that unforeseen events and accidents may occur, a quick conversation with us can often streamline the claims process and save you time and potential complications.
Here are a few key reasons why contacting your agent before filing a claim is beneficial:
1. Expert Guidance: As your insurance agent, we are here to provide you with expert guidance and answer any questions you may have about your policy. By discussing the details of the incident with us, we can help you determine whether filing a claim is the best course of action based on the coverage you have and the specific circumstances.
2. Policy Review: Before initiating the claims process, it’s important to review your policy together. We can go over the coverage limits, deductibles, and any potential impact on your premiums. This ensures that you have a clear understanding of how the claim may affect your policy and finances.
3. Alternative Solutions: In some cases, there may be alternative solutions or options available that you might not be aware of. We can explore potential solutions that align with your needs and preferences, helping you make informed decisions about the next steps to take.
4. Claims Impact: Filing a claim can impact your future premiums. By discussing the incident with us, we can assess the potential impact on your insurance rates and explore alternative solutions that may be more cost-effective in the long run.
The statement “ it doesn’t cost anything to submit a claim” is a lie. While a denied claim may not create a surcharge, it can cost you your claims free discount. It will also create unnecessary activity in your claims history.
5. Claim Documentation: We can guide you on the documentation needed for the claims process, ensuring that you have all the necessary information to expedite the process. This can help prevent delays and ensure a smoother claims experience.
6. We recommend you never give anyone your policy information or the company you are with, it is not needed for them to give you an estimate. It has nothing to do with your claim.
7. Never let someone file a claim on your behalf. While they will tell you they do it all the time and it will make the process easier. We deal with this daily and that is truly not the case.
8. We also recommend never signing any documents to allow someone to go up on your roof. It is not needed and is just a ploy to get you to sign something saying they get the work for filing a claim. Even if you get a better offer you will be locked into using them and can cost you thousands of dollars if your carrier chose not to match their pricing.
Remember, our goal is to assist you throughout the entire insurance process and make it as hassle-free as possible. Your satisfaction and peace of mind are our top priorities.
Please feel free to reach out to us at 317-867-5433 to discuss any recent incidents or concerns you may have. We are here to help and provide the support you need.
Thank you for entrusting us with your insurance needs.
The Dean Ballenger Agency –
Dean, Christian, Jared, Ken, Ashley, Jordan, Laurie, Megan, & Stephanie
