The integration of new and exciting technology is the fastest growing trend of 2018 when it comes to casualty and property insurance, and this trend is impacting homeowners too. Documentation of loss is the most important part of a homeowner’s insurance claim because without it the insurance provider can dispute the claim. While some parts of the loss documentation process remain the same as in years past, the trend of embracing mobile and digital technology across the insurance industry makes it easier than ever for homeowners to prove damages.
Any time a homeowner or property owner makes a claim of loss due to fire, theft, or other emergency, an insurance adjuster is assigned to handle their case. The adjuster uses information they gather, along with anything provided by the homeowner, to create a document known as the scope of loss. This package of information is what is primarily used to approve or deny a claim, as well as determine the exact amount of compensation a homeowner is owed. The more you can contribute that is useful for including in the scope of loss package, the greater chance you have at having your entire claim approved without litigation or mediation to settle any disputes.
Insurance related apps designed for camera equipped smart phones are popping up every day, and the majority of them are designed to help property and homeowners make more accurate property claims by enhancing documentation. Some apps are even designed for the adjuster so preparing scope of loss documents are easier than ever. Consider at least using one secure photography app that automatically adds a date, time, and geolocation signature to each photo. This provides proof you are photographing the current state of a fire-damaged home or the broken glass caused by a break-in and not using photos from another time and place.
One of the best tools for improving property claim documentation requires some foresight and planning before you need to make a claim. Building a comprehensive home inventory that includes photos and purchase information for every item of major value in your home takes some work, but it clearly shows exactly what you’ve lost and what it will cost to replace it. Include every item that costs more than $100 or so to make sure your claim is approved in full value rather than a few thousand dollars lower due to a lack of proof of ownership of some costly items. Again, smart phone apps and other software packages make it easier than ever to document your belongings and keep the inventory updated when you get rid of an item or replace it.
Finally, consider using technological tools that keep you in close contact with your adjuster as they document your claim. Many insurance carriers offer exclusive apps for tracking every part of the claim process. Your adjuster can quickly get in touch to request a receipt, photograph, or other piece of evidence to add to your scope of loss document. If there’s a dispute or other issue, you’ll know right away so you can address it before the claim is denied.
Don’t be afraid to get involved in the documentation process for a property claim. While the adjuster is the one who must approve or deny each piece of evidence, you can still make their job much easier by providing as much useful information as possible along with your claim. Utilize some of the new trends in digital insurance management to make that process easier for everyone.
“I am happy in today’s world to be able to compliment someone, not everyone enjoys doing what they do as Lisa did. I am on disability, was in the insurance field years ago in the 70’s and then went into the medical field and finished as a clinical supervisor. I know what I expected of my staff and Lisa exceeded all expectations. We just found your site the other night but I can assure you as our needs come up for different things we WILL be calling ALLIANCE.”D. Clair – Florida
“Felicia was a wonderful agent and helpful at every time. I would highly recommend getting your insurance needs met here.”S. Miller – Jacksonville, FL
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A. – Tampa
Alliance and Associates saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.Tory H. – Orlando
My Agent at Alliance and Associates shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H. – Jacksonville
Alliance and Associates is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance and Associates for finding the best insurance rates.Mary S. – Tampa, FL
I just saved over $400 on my Homeowners Insurance Florida with Alliance and Associates. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.Joan P. – Orlando, FL
You all have access to the most companies and got us the best price on our coverage.Jay Johnston, Jacksonville, Fl