Increasingly, the number of electrical damage are more complicated to process. Let's see what problems insurance companies and how we help our policyholders to get their damages covered.
What happens when we open an electrical damage report?
We are not talking about the most common claim in home insurance, but one of the most problematic. Insurance companies are introducing more and more fraud detection systems, because of bad experiences in the past.
However, in our opinion, they fail to realise that the righteous pay for the sinners, and clients who never report a claim, find that they are required to provide all kinds of supporting documents...
When an insured party calls us to inform us that their television has broken down after suffering a blackout at home (and likewise: the stereo, the DVD, the oven...), the first thing we do is talk to the insurance company, which, depending on the economic value of the damaged item:
- Send a expert in person to the home address to verify the facts.
- Simply call a telephone surveyor to speak to the insured, when the amount claimed is less than
What documentation do I need for the company to pay me?
Two documents are essential in order to cover the claim:
- Repair estimate or invoice of the damaged goods, and
- The technical report The insurance company shall provide a report from an electrician or the technical service, proving the existence of an overvoltage or disturbance in the current that has caused the damage claimed from the insurance company.
- We have also encountered cases where, due to the existence of several power outages in the area, it is possible to ask for a number of the complaint file with the electricity company.
How can we help you manage your claim?
For our part, the service we offer to our customers is guide the insured at all times on the steps to be taken.
We manage the report and coordinate the expert visit so that the whole claim is closed in the best possible way and as quickly as possible. Furthermore, if the insurer has any problems, we will try to solve them so that you don't have to fight against them alone. Check now the advantages of an Insurance Brokerage.
If you would like to receive these tips and advice on your policies, don't hesitate, contact us. Find the best ones now household insurance.
