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The Insurance Claim Process Explained
Understanding the lifecycle of an insurance claim is the first step to securing a fair settlement. Here is what typically happens behind the scenes after you file a claim.
Notification
The policyholder informs the insurer of the event. This is crucial and must be done as soon as possible.
Validation
The insurer checks if the loss is covered under the policy terms and conditions.
Investigation
Loss adjusters are appointed to inspect the damage and determine the extent of liability.
Evaluation
The insurer calculates the financial value of the claim based on the adjuster's report.
Offer & Settlement
An offer is made. If accepted, payment is issued or repairs authorised. Often, this first offer is low.
Common Pitfall
Many policyholders accept the first offer without realising it rarely covers the full scope of repairs. Loss adjusters work for the insurer, not you. Their initial valuation is often conservative.
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