Increasingly, electrical damage claims are becoming more and more complicated to process. Let’s take a look at what problems insurance companies tend to raise 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, due to past bad experiences.
However, in our opinion, they do not realize that the just 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 calls us informing us that his television has been damaged after suffering a blackout at home (and like that: the stereo, the DVD, the oven…), the first thing we do is to talk to the insurance company, which, depending on the economic value of the damaged item:
- Send an expert in person to the home to verify the facts.
- Simply call a telephone surveyor to talk to the insured, when the amount claimed is lower
What documentation do I need for the company to pay me?
Two documents are essential in order to provide coverage for the claim:
- Estimate or invoice for the repair of the damaged goods, and
- The technical report of the electrician or the technical service, proving the existence of an overvoltage or alteration in the current that has caused the damages claimed to the insurance company.
- Likewise, we have come across some cases in which, due to the existence of several blackouts in the area, a claim file number can be requested from the electric company.
How do we help you manage your claim?
For our part, the service we offer our clients is to 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 way and as fast as possible. In addition, if the insurer poses problems, we will try to solve them so that you do not have to fight alone against it. Check now the advantages of an Insurance Brokerage.
If you want to receive these tips and advice on your policies, do not hesitate to contact us . Find the best home home insurance.
