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Newsletter

Making a Property Insurance Claim

1/3/2019

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Making a Property Insurance Claim

When it is time to make an insurance claim, the more prepared you are, the more smoothly it will go. Be familiar not only with your policies but also with the steps you should take to file a claim.
​
PREVENTIVE MEASURES
It’s important to know beforehand what to expect from the insurance company. When you buy any insurance policy, read the contract carefully and learn specifically what is not covered. Know what numbers to call and the type of information you will need when speaking with a claims agent.
It’s also a good idea to take an inventory of your belongings and keep the list in a safe-deposit box. Make sure to include:
  • Descriptions of possessions; for example, the makes and model numbers of electronic equipment and appliances.
  • Photographs or a videotape showing the condition and quality of your insured items, especially jewelry or antiques and collectibles.
  • Appraisals of expensive items such as antiques, artwork, furs, and jewelry.
  • Receipts documenting purchase prices; canceled checks or charge-card statements also can be used. 
WHEN TROUBLE STRIKES File a complete and accurate claim as soon as possible. Take the time to fill out everything the way the insurance company wants it. Or, if you are on the phone with a claims agent, be extremely detailed in your descriptions and be certain that all your information is correct.
  • File a police report in the event of theft or vandalism. Your claim may be denied if you don’t.
  • Write a detailed account of any incident immediately after it occurs so that you are more likely to remember what happened.
  • Take photos of any damage.
  • Telephone your agent and send him or her a copy of the police report. Follow his or her instructions on how to proceed.
Filing a claim can be stressful, but being properly prepared and knowing what to expect will help move the process along, possibly allowing you to receive the funds you need to cover your losses in a more timely manner.


The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the ­purpose of ­avoiding any ­federal tax penalties. You are encouraged to seek advice from an independent professional ­advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the ­purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2019 Broadridge Investor Communication Solutions, Inc.
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© 2022 Sunshine Financial Solutions of South Florida, Inc.
Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, member FINRA SIPC. Sunshine Financial Solutions of South Florida, Inc. is not an affiliate of OneAmerica Securities or the companies of OneAmerica and is not a broker dealer or Registered Investment Advisor. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individual tax, legal, fiduciary, or investment advice. Neither OneAmerica Securities, the companies of OneAmerica, or Sunshine Financial Solutions of South Florida, Inc. provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor. Guarantees are subject to the claims paying ability of the issuing insurance company.
  • Home
  • About Us
    • About Us
    • Meet Our Team
    • Mission Statement
    • Our Promise
    • Our Partners
    • Join Our Team
    • Brokerage Services
  • Our Services
    • Individuals and Families
    • Business Owners
    • Retirees/Medicare Eligible
  • Planning
    • Life Insurance
    • College Planning
    • Retirement Planning
    • Build Wealth
    • Disability Insurance
    • Mortgage Protection
    • Business Valuation
    • Long Term Care
    • Final Expense
    • Home + Auto
  • Business
    • Group Plans
    • Business
    • Key Employees
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    • Executive Carve Out
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    • Protect Your Business
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